<p>Colleges will have a requirement that you must complete a certain number of credits at their school in order to receive a diploma from that school so that’s why they say they do not accept you as higher than a junior status. So that’s why it doesn’t matter if you bring more credits to the table - and likely some of them will not be accepted for transfer.</p>
<p>You best bets are going to be instate options for financial aid. Know though too that many will still include the max stafford loans for juniors and seniors which I think is $7500 (don’t quote me on that) but that is likely going to be a given no matter where you apply because you are a very long shot for the meet full need/no loan schools.</p>
<p>Good luck though!</p>