Re: post 18, Yes, 58 GPA hours should be credit hours. If you look at your unofficial transcript, it should list them. Wherever you transfer to will require a minimum number of credits to graduate (I think SUNYs are 120) and a specific number of those have to be in your major.
Erin’s dad has a good point in post 26 – apply to schools where you’ll be a strong candidate. I’ll add that you should make sure they’re affordable. How much can your parents pay per year? The half tuition (employee benefit) grant Colgate will pay for (up to $20k) can only be applied to tuition, right? I know you love Penn State, but it costs $42k OOS. Tuition is $31k, so it sounds like Colgate would only cover $16k. You can only borrow $7500, so your parents would have to cover ~$20k/year for your last 2 years. Can they do that without borrowing?
@MYOS1634 may know if the schedule in post 27 looks heavy or not. I think chem and bio together is a heavy load, but maybe it’s typical for a chem major.