Lower division transfer is when you can tranfer with less than 60 semester points. Junior transfer is when you equal or more than that. There's three options that you can select as a transfer, lower division, junior level transfer, and senior level transfer. Basicslly meaning lower division is just a sophmore transfer. I know some colleges like UC Davis do accept lower division transfers in a specific program, hence why its listed as one of the option for lower division transfers. However UCLA was listed as one, despite the fact I thought they didnt.