There’s a lot going on in this post.
First, don’t use trauma as your essay topic. Very very few students can do this well and not trigger some kind of worry about the applicant.
Secondly, you are still a sophomore in high school? Is that right? You can’t bargain with guidance. As a counselor myself, our articulation agreement is very clear on how credits are allotted. It isn’t a swap shop.
Lastly, you are in a lot of contradictory places with your college list. Many of the more competitive schools will not allow for an abundance of transfer credits. It won’t be standardized either so you will have to look at each school. $20k for an associates and not wanting to stay in state seems like a significant cost outlay.
My own son is dually enrolled and will have his associates but it is free in our county and he hated normal high school. I think I would have told him to suck it up for $20,000. That’s college tuition.