If you transfer, get your own housing. That way, it doesn’t matter what happens with your boyfriend. If you can’t afford the college unless you live with him, it’s too expensive.
I plan to work at a very high paying job so I am able to pay for my tuition with a little student loan, and possibly pay for rent if needed.
Do you currently have a high paying job? If not, I wouldn’t commit to a more expensive school. Is your mother going to continue to fill out your financial aid forms if you transfer? She’s not going to be able to accept responsibility for the bill at the more expensive school if she can’t afford to pay it.