Deciding if I should consider transferring out of BS/MD program

Call SUNY Albany.
However, it’s likely the full ride no longer exists (has been given to someone else) and it’s not even certain they will admit you for Fall. And of course no certainty as to your spot in the honors college w which is very important for pre-med (most honors classes aren’t weedout since the honors college has done the weeding already + they’re more in depth = better preparation for higher level classes… In short really important for pre-meds).
If your family can afford the costs without scholarship and Albany allows you to register in the Fall, see if you can afford to dorm just your first year so that you’re fully immersed in what the college offers (there should still be spots open on the quiet floor or substance free floor, even if the honors dorm is full <= do check just in case).
For a good example of how to take advantage of what a university offers, check out the tumbler by Afrenchie36. I think he allows comments so take advantage of that opportunity.

The reason the BS/MD students at RPI have this GPA is that they’re culled from the program if their GPA dips - did you read the fine print, all the conditions on the “guarantee”?

Even if SUNY Albany offers lots of credits for your APs, I would recommend you not take them for math, science, and English. A score of 3 typiflly means you don’t have enough preparation for an upper level college class.
What exact APs have you taken and what scores did you get?

If you can’t start in the fall, DO NOT take any college class anywhere as it’d jeopardize your freshman status.