Hi What you are going through is extremely common. It would be helpful for you to really think about what you would like to major in and where you would like to attend school (at least consider several). Also, it is ok if your school has obscure courses, but be advised some schools (like undergraduate business schools) do require certain pre-requisites for transfers. If you do not have them it will decrease or eliminate your chances at a particular school for a particular major. Do you want a liberal arts degree or a pre-professional one? A mid-sized or large school, public or private? Your credits will be figured out by the college you transfer into- so do not worry about that. The other comments here are correct- FA should be similar if your financial situation is the same. Definitely better to apply to schools now, if you are sure about transferring and if you also want to study abroad. Grades are HUGE and a 3.8 is great, so keep it up!