How do USC and other regular transfer schools’ net price calculator results look for you?
Remember that a regular transfer will likely involve fewer total years of college costs.
Also, note that Columbia’s 3+2 page states that it may not “meet need” for 3+2 transfers (in contrast to other transfers or frosh). If the Columbia net price calculator does not have an option for 3+2 transfers, ask Columbia financial aid directly what financial aid for 3+2 transfers will be like compared to the net price calculator.
https://undergrad.admissions.columbia.edu/apply/combined-plan