Rockey07, now you are talking. I think you have the right strategy so far. CommColl, and xfer to 4yrColl. From my personal experience, though not as extensive and envious as yours, I think you should definitely go to a good brand college. This may require you to take money out on loan (credit cards, etc). But with a good brand degree in your hand, you will be in a better position to recover the expenses at 4yrColl.

Also, the choice of college depends on what you want to study. I guess this would be an entirely new topic of discussion, diverting from your original question related to finances.

_x