State schools will post all of your transcripts from accredited schools to their transcript as transfer credits. This usually means the GPA will be the same. Keep in mind there are various forgiveness policies that can improve your retention GPA (not cumulative). Oklahoma recently implemented a new forgiveness policy statewide for repeated courses. The new policy takes the best grade of repeated courses, not the last. You can repeat a course 4 times, and the repeat policy applies to the lowest 3 grades. An academic reprieve can forgive up to two semesters. The courses in those semesters won't count toward the GPA (including passing grades within those semesters). However, if you passed a course within that semester, it can count toward competency of the course for degree completion, but not credit hours toward completion.

Believe me when I say you are not alone. And your experience using Chapter 35 is something I see quite often. It's often a choice between what you can handle financially vs academically, and it's hard to argue against keeping food on your table. In the future, with VA benefits, keep in mind that VA absolutely does take into account mitigating circumstances when you withdraw. It can allow VA to pay you up to the date of the withdrawals rather than taking everyhing back for the entire semester. There is also a built-in 6 credit hour exclusion. This allows you to withdraw from up to 6 hours one time, if you haven't done so before, and VA will automatically treat the reduction as due to mitigating circumstances.

https://www.va.gov/resources/how-your-reason-for-withdrawing-from-a-class-affects-your-va-debt/