<p>The bar for cross campus transfer to Kelley is rather low – 26 credits min with B or better average, and they won’t look at your HS records or your SAT/ACT. I would certainly choose IU over the other choices, and I’d wager that Kelley is much better known if the OP returns to his home country.</p>
<p>However, if you still consider IU to be too risky w/o direct admit to Kelley, you can of course consider the other options. You are paying a lot of money to attend college; I’d suggest you not let weather be a key determining factor.</p>
<p>And I’d agree with MYOS that Santa Cruz is a much better campus than Riverside. Not having a full business program should not matter, on campus recruiting at SC should be at least as good as Riverside.</p>