A student with an EFC of zero should not be looking at 3-2 programs. Sometimes these work out; sometimes they don’t (an extra semester, being out of sequence, getting an offer for a lucrative internship which you need to/want to take but the timing delays you starting at the second institution.)
You need to reboot. I’m not sure why you aren’t dancing on the tabletop at UNC. Why would you major in pharmacy if you want to study physics?