I think you DO know what to do!
You need to finish this semester strong, to demonstrate to any adcom who reads your application that you experienced a bump in your transition to college but that you’re on your way to a successful college experience. You need to ignore the rankings- because maybe you’ll get into a similarly ranked college, or maybe not, but if you don’t want to stay where you are, the ranking doesn’t matter, right? You need to figure out if the lack of finance/business clubs is an actual issue (I’ve been hiring for large corporations for over 30 years and have NEVER heard during a decision meeting “We need to hire her, look, she was in a business club!”) or just something you’ve belatedly decided is relevant, etc.
So you know what to do. If you want to move Westward, don’t get distracted by “schools around the country”. Work with your parents to figure out your budget and focus on schools in your desired geography.
Good luck.