<p>Ask to transfer into the Honors Program for this semester (or enroll in honors classes or hang out in the Honors building…) and start looking at transfer possibilities.
I understand the situation - I have a friend who teaches at a college like that and half the students didn’t even bother showing up for their final, which is unthinkable to me. They’re just not into learning or academics and complain when others are. The driven students end up transferring to more stimulating/welcoming colleges. You sound thoroughly miserable indeed. But you summed up your situation quite well: transferring isn’t easy financially.
What’s in-state for you? Are you at SUNY Purchase, or UCincinnati?
If your loan burden is within the Federal Loan limit (27k for 4 years) you may manage it, especially if you take on internships to get professional skills along with your theater skills.
Are you currently working? If not, look into on-campus jobs and start saving.
Could you ask if there’s space in the substance-free dorm?</p>