I get that question a lot. Right now I commute from home, have my full tuition covered and all I have to pay are lab fees and books. It's a good private university, but where I'm transferring is a top public school (it's listed as a public ivy) and has the major I want (it's the only school in my state that does, and it is a degree that offers a good ROI and that I really enjoy). Both of my parents are alumni from there and we visit campus a lot for athletic events. It was my top choice coming out of high school, and even though I had the grades and extra-curriculars to be admitted, I didn't feel that I was ready to handle the kind of work load they had. So, I went to a very low cost public university near me to take some classes and figure out what I wanted to do (my major changed around 7 times before I finally found what I love), but I got sick and had to drop out from there until I recovered. Then I started going to a community college to get my brain back in the learning mode after being out of school for a little while, transferred to where I am now and have my GPA at a good level in some harder classes and I feel I'm ready to take on a more difficult school and work towards that degree.
And that's my life story. Since I finished this semester, I am just at sophomore status and figure now is as good of a time as any.