Thinking of Transferring?

I need some advice…

I am now a second-semester freshman going to school about 3.5 hours away from home and I am thinking of transferring for a few reasons. First of all, I am incredibly homesick all of the time, which I thought would go away after the first semester. Second, I am taking out major student loans to be here and if I’m not happy I do not know if it is worth it. Third, I could go to a commuter school at home for free considering that my mom works there.

I am very close with my family and I am always thinking about when I am going home next rather than my time here. I have really good friends here and I am even in an alternative greek service fraternity, but something just does not feel right. Even when I am having a really good time I think about not being here. Also, I am taking out significant loans to be here and the school is not even a good one for my major and if I want to go to grad school, I will need even more loans. Finally, if I transferred to a school at home I could save all of the money and potentially graduate significantly faster by taking community college courses in the summer.

Should I transfer? And how do I tell my parents and friends if I want to?