<p>You look at the admissions pages of the colleges you are interested in and they will define what a transfer student is for them. It looks like you may be a freshman for USF (be sure to call and ask if you initial credits came from them), and so eligible for certain aid and scholarships from the school. No guarantees. You might also look at other colleges. Of course you should apply for any scholarships that you find, that can take a lot of effort, but it is free money if you can find it. Full scholarships to live on are rare.
<a href=“http://usfweb2.usf.edu/admissions/am-I-a-freshman.html”>http://usfweb2.usf.edu/admissions/am-I-a-freshman.html</a></p>
<p>Your age affects if your parent income determines EFC and what level of federal loan you are eligible for.</p>
<p>You do not see how you can work part time, but I do not see how you can afford to go to school not working. Something has to go.</p>
<p>There are ‘meets full need’ colleges, but you will have to check eligibility and be willing to relocate, and frankly you don’t seem flexible at all. Some programs are for students with certain amount of credits like Ada Comstock Scholars at Smith, but some don’t require credits, like RUE at Brown.)</p>
<p>A lot of employers have tuition benefits so you can take a couple classes at a time while working, and not end up with a lot of loans.</p>