<p>Since you have an unaffordable EFC, then your strategy needs to be:</p>
<p>Include state schools that you can commute to so that COA is reduced</p>
<p>Include schools that will give you HUGE merit for your stats so that remaining costs are so low that you and your parents can cover the remaining costs with a 5500 student loan, summer earnings, and some money from your parents.</p>
<p>Ask your parents how much they CAN contribute…even if it’s just a few thousand.</p>
<p>I don’t think transferring is a good idea since you wouldn’t get much/any merit, and you couldn’t afford to pay what’s expected.</p>
<p>What is your math + CR score? You need the highest possible for merit.</p>
<p>What is your home state?</p>