<p>It’s OK to apply to a couple Ivies as your dream schools, but most of them take almost no transfer students - acceptance rates on the order of 5% or less are common. You need to research transfer policies as you make your application list. Cornell probably has the highest acceptance rate but even they are extraordinarily selective.</p>
<p>How good the Ivies are compared to SUNYs is irrelevant if you A. aren’t accepted to an Ivy or B. can’t afford tuition at an Ivy.</p>
<p>You CANNOT borrow more than about $6,000 per year for college. Only your parents can sign for loans more than that, and given your family’s financial situation, it’s highly doubtful they can or will do so.</p>