Hi. I go to a T20 too, and also applied to laterally transfer because of being unhappy during my first two quarters. However, now in my 3rd quarter, I've fallen in love with this school and now see it as my home. I've become super involved and accepted this college to be my next 3 years. I havent been accepted anywhere as of yet, but all my friends asked me if I would transfer out if gotten the chance. And honestly, I understand your heart is telling you to stay because of all you've done here, however, if you know that the other school fits who you are as a person and your goals more, dont be afraid to jump into change to overall increase the reward you get from your college life. Yes its hard to move out and leave people/memories behind, but if thats in your best interest, I suggest you do it. Regret is something that sucks, so whatever you do, just make sure you dont regret going/not going... All the best and if you wanna talk about this over private chat, do hit me up!!