OP: Full financial aid may be too much to give up during this pandemic when many are relegated to taking classes remotely online.
Although I was a full pay student decades ago at an LAC, I experienced somewhat similar discomfort due to the cliquish campus culture & party scene & near total lack of diversity. Decades later, my biggest regret is that I did not transfer to a large university. While I have no interest in visiting the school or in attending reunions there, it is an experience that all of my many relatives enjoy with their major universities.
I studied abroad a lot to escape the suffocating campus culture. Although study abroad is difficult during the pandemic, this may change. Another option is to study at another school for a year or for a semester if your current school has such agreements in place with other schools.
If financially feasible, consider transferring to your state flagship school. You won’t be disappointed.