@coolcool07 Did you consider attending Fall semester at RPI and then transferring out to another school, not sacrificing a year. You may finish BS in 3 years with your transfer and API credits. You may be admitted to Honors college as a transfer student at another school. Your API score does not appear on the transcript only the credit for the equivalent course awarded by the school. DD transferred two years worth of undergraduate credits from Summer College classes and AP credits taken during high school. FYI, you will not be able to borrow 150k for RPI on your own. You will need a co-signer for the debt. A co-signer is an equally responsible party for the debt in case of a default.