Frankly, you should go back to your community college and meet with an academic advisor. Ask for help with planning your coursework so that you can transfer. Did you take placement tests at CC, so that you know what math and English levels you should be in? You are no longer considered a first time college student because you have been to college. It sounds as though you haven’t done enough course work to transfer to a four year university. Sort out your problems and do your two years of general education, or at least enough so that you can transfer. My opinion is that trying to study for the SAT is pointless now. Colleges will not care about a new SAT for a student who is long out of high school and has already attended college.
You are going to have a very difficult time transferring out of state. It’s entirely possible that your community college credits are not going to transfer to an out of state four year university.
I’m troubled by a lot of what you say:
“I don’t feel I’m capable. I don’t feel I can do it.” (Do you mean go to college again? Yes, you can, but you may have to take some remedial coursework. You will have to commit to it. You will have to go to class, read the books, do the work, and study.)
“I don’t want to aim for a school up the road that admits everyone.” (What is wrong with that? I’m not sure you have a lot of other options. At this point, aim to just get on the road to a degree. When you get a BA or BS, you can aim high for grad school.)
“Even if I didn’t get into a top program, if I aim that high, it’ll open up more programs to me.” (This is very confusing. What do you mean? You will not be able to get into a top program, because you haven’t got a good transcript, according to what you have said here. You need to work really hard and get good grades to prove you can handle the work. Your goal right now should be to aim for a program you can see yourself studying for, not just a top one.)
“I’m nearly genius level as far as intelligence goes, I just never tried hard in high school.” (Unfortunately, no college is going to know that you are a genius because your test scores and community college course work do not support that. There is little point in taking the SAT again, because you are already a college student, several years out of high school, and will have to apply from scratch. Colleges will admit you based on your current transcript, not a new SAT score.)
“I don’t know what I’m looking at.” Go to your CC, ask for placement tests and see what math you need to retake.
“Should I bother to go back?” (Do you want a degree? Do you want a career, or are you happy with just a job? If you want a career, I suggest you go back. You are young. 20 years old is very young. I didn’t graduate from college until I was 24. My degree got me my current job, nearly 30 years later. If you think you will one day regret not pursuing your future goals, you should go back.)
Right now, you should be focusing on just getting back to college if you feel ready. You have work to do, but if you want a better future for yourself, you need to be proactive and take steps to get back on a good path. Good luck to you.