I have had a very rough upbringing/ complicated life story, long post below Chance me for transfer?

All the schools you listed are reaches for everyone. The kids who get in have proven records of success. Not many drop out, which means there are precious few transfer opportunities into those places.

You were dealt a terrible hand, but unfortunately your resulting history of stops and starts is not going to convince them that you have what it takes to stick it out at their school. You’re bright, but not yet accomplished. You have potential, but those colleges have a reputation to protect and they want a sure thing.

The best chance you have is to stick it out at your current school (hopefully it’s a four-year school), keep up your grades, and build a resume of long term commitments and accomplishments. Those dream schools will still be there in four years.

There are scholarships for upper classmen. Search the CC boards to help point you in the right direction. The most money is likely to come from FAFSA and CSS and the schools themselves, though.