Should I Transfer?

<p>I'm in my second semester. Right now I'm paying about 8,500 a year tuition OOS at Temple (because of a scholarship, pell grant, etc) + 5000 for living off-campus + food. I don't know if this is that great since my EFC is 0. In HS, I got a 1800+ SAT, was in the top 5% of my class and I was involved in a bunch of ECs. I'm wishing I went to Rutgers, but I see that most of their scholarships are for people with less than 12 college credits. I could go to a NJ community college and graduate from there and get the NJ Stars $7000 a year and then go to Rutgers, or I could go straight to Rutgers and maybe get some sort of need based funding, though I don't know how much that would cover. Does anyone have any information or advice for me? I need some perspective. Should I just stay, or maybe there are options I'm not considering? Thanks.</p>