Transfer application chance me

My primary reason for not considering Rutgers is because I think that even without going to rutgers I can already get a lot out of it just from living nearby. I don’t have to attend rutgers to participate in the well funded research labs rutgers is known for. Also, for the matter of maintaining a high GPA for medical school, I have already taken most of the difficult classes associated with my major and I anticipate being able to transfer the credits

I definitely understand minimizing debt, which is another reason I am choosing to look at t20s, since most are extremely generous with financial aid.

At this point I am mostly just curious about my ability to actually be accepted to one of those schools, and if not what I could do to round out my application.