OP since you’ve already invested in two years of your education, and money appears to be an issue, I think it makes more sense to think about transferring to a cheaper school in the US, where you won’t lose (as many) credits. Also, you seem very focused on research: that too is less common in Europe on the undergraduate level. Between the difficulty of transferring to a European university, and the relative lack of research opportunities (compared to the US) I’m not sure how this plan would meet your needs.