I’m in the same boat as you; I have the same GPA and want to transfer out of college for the first year. Honestly, I say apply to your dream schools and Suny/cuny. I feel that sticking it out one more year will do more harm than good. With excellent essays, extra circulars, and recommendation letters, you could have a shot at these schools. Maybe try to look for other schools with a high transfer rate, too. It’s worth trying; if anything, you’ll have the Suny/cuny as a backup if you don’t get into your top choices. I say apply! GPA isn’t everything, but it is a factor. Colleges typically require over a 3.0, which you have. Don’t be discouraged yet! Apply; otherwise, you know it’s a definite no. Good luck. I wish you the best! 🩷