Your chance of getting aid at IU as an OOS transfer is pretty poor. Not so with MSU. MSU has a mandate to help Michigan kids first. IU charges OOS an arm and a leg. Not worth it. The culture at IU has become one of over indulged rich kids who party nonstop. As a parent, I’m turned off by it. We lived there for 10 years (have lived in other college towns as well so I know the difference) The IU campus is beautiful but then again so is MSU. I would just go to MSU. Everyone has given you sound financial reasoning. Having spent a significant amount of time at both places, I’d choose MSU in a heartbeat. They have a great program, at a decent price, close to home and thats all you need.