Bad Financial Aid for Transfers?

I heard that financial aid for transfers is not as good as the package for incoming freshmen. Is this true? I’m worried that as a TTP applicant that I won’t be able to afford USC because of lack of financial aid.
I can’t afford a lot of loans (my current college is making me loan around $10k per year). What’s the usual package for low-income transfers? Has any transfer experienced hardships with this?
Thanks!

Need based financial aid is the same. Merit scholarships are not.