Transferring as an international

Hey guys I just want to know how much harder is it to transfer as an international student??

Very.

And if you need significant financial aid, it gets even harder.

There’s no financial aid whatsoever (except a little bit at literally a handful of universities like UMN-Twin Cities and UAlabama, but those are NOT the full tuition scholarships they offer to freshmen, and you better be top-notch.)
If you don’t need financial aid, it depends what schools you’re targeting: for state flagships, same difficulty as freshman admission. For universities and LACs in the top 40, it’s almost impossible.

The same as above. Just wait until you get graduated, you will find it easier to do graduate studies here and elsewhere, but If you want to transfer really hard that’s up to you.

It is a bummer but it is incredibly hard to get in as international transfer if you are talking about top 40 schools.
For other decnet state flagshtips as @MYOS1634 said, it is doable if you have money and stats, but for top tier state school it is virtually impossible.