Match a transfer after one year at college (applying for Fall '24, entered this fall) [MA resident, expect 3.8 first semester college GPA, 2.7 HS GPA, 28 ACT, <$50k, English]

You’re right- I assume OP would apply in the Spring for fall 2024 transfer so would potentially have more grades to submit (though only 1 full semester on the transcript).
Not sure it’ll be within budget indeed but short of transferring to their instate public or a public university where tuition is 40-45k OOS, I’m not sure many private universities will since merit scholarships for transfers are few&far between.
@aquapt’s JMU idea is probably the closest in terms of subject&cost.

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