Federal loans are released by semester, so you’ll only get $2750 for the fall. I’m not sure if the PLUS loans are split by semester or if you can get them all at once, but @Kelsmom might know. If you get the whole $9k at once, you’ll have $11,750 in your account. However, the last day to drop [CUNY classes](http://cuny.edu/academics/calendars/fall-2016.html) for a 25% refund was September 14. If you withdraw, you’ll still have to pay the [url=<a href=“http://www2.cuny.edu/financial-aid/tuition-and-college-costs/tuition-fees/#1452179204200-d27abe14-99f4%5D$4800%5B/url”>http://www2.cuny.edu/financial-aid/tuition-and-college-costs/tuition-fees/#1452179204200-d27abe14-99f4]$4800[/url] OOS tuition. That leaves you $6950. If you can afford the living expenses through the end of the year, you might as well stay and earn the credits because you’re going to end up paying for them anyway.
I’d apply for a transfer for next fall. That gives you time to return to GA and get a job to pay down the PLUS loans before you enroll in college full-time next fall.