TRANSFERRING FLORIDA

Hey guys, I’m currently a student at Miami dade college. I’ve finished my entire AA except my Math and sciences. My current GPA is a 3.1. I have 5 withdraws because I am an independent student and I was taking accelerated courses and I needed to withdraw at some points to manage work to support myself. My dream school is UF but Im a psychology major and I know how competitive they are. I don’t think I have a chance unless I apply as a philosophy major and transfer in Spring then switch. My other prospective schools are FSU and UCF. I don’t know if anyways gotten into Fsu with a 3.1 but I was planning on just finishing my AA in the fall at TCC to guarantee my admission. Or should I stay in dade? (TCC2FSU) anyone have any suggestions or helpful feedback?