Why not apply as a transfer to Michigan and MSU? Your CC grades are very good and you have a good chance of getting in to Michigan, and use MSU as your backup. It is very hard to justify IU with such a large price difference. Start getting to know your CC teachers well as you will need good recommendations. Make sure you keep abreast of the admission requirements to Ross - you will need Calculus - I would talk to a transfer admissions counselor at Michigan and MSU to make sure your credits transfer.