Transfers don’t get merit money (or very rarely) and generally get lousy aid. So she may well be limited to instate universities if tOSU doesn’t work out - $20,000 extra over four years for iowa may or may not cover the difference at another university where you’re full pay for three years. And if she’d admitted to a private university where she’s full pay for three years but not to an instate program it’s likely to be larger.