<p>What school do you currently attend, The David?</p>
<p>If you attend one of the more respectable public Universities in Tennessee, then you should not really transfer unless you personally think you would feel more comfortable elsewhere or something.</p>
<p>Also, what is your major?</p>
<p>There are a lot of public Universities in Tennessee which cater to certain majors.</p>
<p>If your efc is zero, then remember that if you transfer to an out of state school...your housing fees and the like will be a lot of bucks. You might wind up with a loan or two or three because of that. </p>
<p>So, if your efc is zero, that means you are going to have a mere six months of finding employment upon graduation to find work to pay for your loans. I am not trying to imply anything negative by stating that. I am just saying that you would have a limited time frame to find big time professional work upon graduation is all.</p>
<p>And, depending on where you live in Tennessee, finding work could be kind of hard. But, if you play your cards right, you could re locate for work as long as you do not have scads of financial obligations coming up upon your University graduation. Think of that old saying: "What you do in haste, you repent at your leisure."</p>
<p>In Tennessee, you would automatically qualify for the Tennessee Student Assistance Grant, the SEOP (or whatever you call it) grant, the pell grant, and work study. The secret of fin aid in Tennessee is to meet the deadline for the Tennessee Student Assistance Grant head on and then everything else just falls into place. </p>
<p>I am not trying to disuade you from transferring. I am just being honest. Remember, there are private University's in Tennessee you could transfer to.</p>