Have you told the school counselor everything you said here ? What did they advise ?
Also, do you have a precise career goal ? Maybe you could focus on that to keep you motivated. Can you try volunteering with a professor or just discussing career options with them ? (I wouldn’t mention any of your personal issues with the school to them if you do though, keep it very professional, the personal matters are for the counselor).
Apply to transfer now and think about it later; if you change your mind then don’t open the acceptance letters, but you can’t transfer if you wait and miss the deadline.
Live on campus even if it means forfeiting a little bit of freedom and not being able to drive.