I tried opening the NVIDIA settings and setting the card to preferred in that window, and also deleting the intel display adapter and restarting. I'm not sure it made much of a difference but here's what the system settings looks like now: [posted at bottom of this reply because I'm not sure how to do the spoiler/click to show tags in this forum]
Regarding AT&T, I actually didn't have any problems with slowness or lag before the loading issue, and can still create a character and load into the world on it! It's somehow only affecting these 2 characters. You might be spot on with the storage issue, because of my laptop's storage I have FFXIV installed on an sd card that's inserted into the side (could that be affecting something?). Thanks for the recommendation to defragment the hard drive, it cleaned up a little space but unfortunately didn't affect the issue.
=-=-=-=-=-=- System Information -=-=-=-=-=-=-
SYSTEM_OS Windows 10 Home 64-bit (6.2, Build 9200) (19041.vb_release.191206-1406)
SYSTEM_CPU Intel(R) Core(TM) i5-6300HQ CPU @ 2.30GHz (4 CPUs), ~2.3GHz
SYSTEM_CORE_NUM SYSTEM_CORE_LOGIC 4 SYSTEM_CORE_PHYSICS 4
SYSTEM_BIOS 1.2.7
SYSTEM_LANGUAGE English (Regional Setting: English)
SYSTEM_MEMORY 8060.391MB
SYSTEM_VIRTUAL_MEMORY 134217727.875MB
SYSTEM_PAGE_FILE 9340.391MB
SYSTEM_STORAGE C:\ SYSTEM_HARDDISK_DRIVE SYSTEM_TOTALDISC_SPACE 225.832GB SYSTEM_FREEDISC_SPACE 21.277GB
SYSTEM_DIRECTX_VERSION DirectX 12
SYSTEM_GRAPHICS Intel(R) HD Graphics 530
SYSTEM_GRAPHICS_DEVICE \\.\DISPLAY6
SYSTEM_GRAPHICS_CHIP Intel(R) HD Graphics Family
SYSTEM_GRAPHICS_MAKER Intel Corporation
SYSTEM_GRAPHICS_VRAM 4055.750 MB
SYSTEM_GRAPHICS_SHARED_VRAM 4030.195 MB
SYSTEM_GRAPHICS_DAC Internal
SYSTEM_GRAPHICS_DISPLAY_MODE 1920 x 1080 (32 bit) (60Hz)
SYSTEM_GRAPHICS_DRIVER C:\WINDOWS\System32\DriverStore\FileRepository\ki127176.inf_amd64_86c658cabfb17c9c\igdumdim64.dll,C:\WINDOWS\System32\DriverStore\FileRepository\ki127176.inf_amd64_86c658cabfb17c9c\igd10iumd64.dll,C:\WINDOWS\System32\DriverStore\FileRepository\ki127176.inf_amd64_86c658cabfb17c9c\igd10iumd64.dll,C:\WINDOWS\System32\DriverStore\FileRepository\ki127176.inf_amd64_86c658cabfb17c9c\igd12umd64.dll
SYSTEM_GRAPHICS_DRIVER_VERSION 23.20.0016.4973
SYSTEM_GRAPHICS_DRIVER_DATE 2/27/2018 17:00:00
SYSTEM_GRAPHICS_DRIVER_LANGUAGE English
3.0
SYSTEM_GRAPHICS_PIXEL_SHADER 3.0
SYSTEM_GRAPHICS_VERTEX_TEXTURE SYSTEM_SUPPORT
SYSTEM_GRAPHICS NVIDIA GeForce GTX 960M
SYSTEM_GRAPHICS_DEVICE Unknown
SYSTEM_GRAPHICS_CHIP GeForce GTX 960M
SYSTEM_GRAPHICS_MAKER NVIDIA
SYSTEM_GRAPHICS_VRAM Unknown
SYSTEM_GRAPHICS_SHARED_VRAM SYSTEM_UNKNOWN
SYSTEM_GRAPHICS_DAC Integrated RAMDAC
SYSTEM_GRAPHICS_DISPLAY_MODE Unknown
SYSTEM_GRAPHICS_DRIVER C:\WINDOWS\System32\DriverStore\FileRepository\nvdm.inf_amd64_2c7c773e20d8bcfa\nvldumdx.dll,C:\WINDOWS\System32\DriverStore\FileRepository\nvdm.inf_amd64_2c7c773e20d8bcfa\nvldumdx.dll,C:\WINDOWS\System32\DriverStore\FileRepository\nvdm.inf_amd64_2c7c773e20d8bcfa\nvldumdx.dll,C:\WINDOWS\System32\DriverStore\FileRepository\nvdm.inf_amd64_2c7c773e20d8bcfa\nvldumdx.dll
SYSTEM_GRAPHICS_DRIVER_VERSION 23.21.0013.9125
SYSTEM_GRAPHICS_DRIVER_DATE 3/15/2018 17:00:00
SYSTEM_GRAPHICS_DRIVER_LANGUAGE English