Agree with Hanna. The things that you complain about at UM are not going to be problems at your two possible transfer schools, so transferring will be an improvement. Have you visited Tufts and Northwestern? What do you see as potential problems at either school?
I'd suggest posting about this on the Tufts and Northwestern forums. People will be delighted to tell you why they chose either school, what they love about it...and what they don't like, for that matter. My older daughter just finished her freshman year at Tufts, and is thoroughly in love with the place and all it has to offer. She's been talking to friends who attend University of California schools, and says that it makes her incredibly grateful for the benefits of attending a smaller, more nurturing school. I'm sure there are plenty of Northwestern students who'd say the same about their school. Go figure out which school you might love more. If that fails, pick based on being near Boston or Chicago. Then screw your courage to the sticking place
and get ready to move somewhere new.