Congratulations! I suspect that you will do just as beautifully at the 4 yr college that you select, as you have done in community college.
Know that it’s a completely different level of academic expectation at the 4 yr U’s, probably tougher at Rochester than at the SUNYs, and much, much tougher than at the community colleges. You’re going to have to take some advanced level classes, like biochem and advanced level straight bio classes, and get A’s in them, to compensate for the fact that so many of your premed prereqs were done at the community college level. The pathway that you took is logical, having been homeschooled and lived abroad, but the med schools know that the community college classes are taught at a much lower level than at the 4 yr U’s, in general. Also, your MCATs are going to have to be very, very good, to compensate for the pre-reqs having been done at community college. Mediocre scores will only confirm for the med schools that the community college classes weren’t adequate preparation.
I can’t be sure, but with a family income of 100K, I don’t think that they’re going to give you a lot of fin aid at U of R, and probably none at the SUNYs. You can take out I think $7500/yr in fed loan, and your family and side job will have to cover the rest. This is entirely feasible, if you’re able to live at home while attending the SUNY. If you have to cover room and board, it’s going to be tougher. Are there any scholarships particularly for community college to 4 yr college transfer students that you could apply for?
If you do have a SUNY that’s commutable, I know it’s probably not the college experience that you were hoping for, but nothing in your background has been traditional, and you seem to have a very sensible attitude towards everything, so maybe you’ll realize that, especially going in as a junior, dorm living isn’t always everything one imagines. By junior year, most people, when they make new friends, are making them through classes, clubs, activities, interests, as opposed to the dorms. And honestly, the noise and bad behavior in the dorms can be a real pain in the rear. Sometimes it can be worse, when you have a roommate who is utterly inconsiderate or having mental health issues. So seriously consider whether it’s an experience worth going into debt for.
If you’re still planning on med school, your best bet is going to be the SUNYs, since you’re a NYS resident. You might get into a med school with low or free tuition, but they often come with insanely high living expenses. So you really want to try to keep your college expenses as low as possible. Assuming your grades and MCATs are excellent, you will have just as much success in applications to med school coming out of a SUNY as coming out of Rochester.