Each place sets its own policy about who is a transfer. Some will consider you a transfer applicant with just one cedit earned after you finish high school Others will not consider you a transfer unless you have earned the equivalent of a full year’s worth of college credits. And of course, the rest fall somewhere between.
This means that you need to find out whether any of the places that you might like to consider would allow you to be a freshman applicant, and hence eligible for better scholarship money. If they would, then you need to take a gap year next year rather than spending another semester or two at Penn State.
And, frankly, if your family is in a bad situation financially, you have no business going back to Penn State in the fall. What you would pay there for two more semesters would pay for three semesters at a lot of other decent places, and two full years at SD School of Mines http://www.sdsmt.edu/Admissions/Tuition-and-Fees/