Could I get some college advice please? [View All]

I'm in community college right now, finishing up with my first year. After next year I'll have finished all my prerequisites for transfer to the 4 year uni I want to go to, but I won't have enough credits to transfer in as a junior.

Am I better off transferring in as a lower level student, or should I wait another semester at the cc, take a combo of easier courses to pile up some credits and graduation requirement stuff I'd have to take later otherwise and then transfer in as a junior? I'm thinking sticking around at the cheaper school and taking more classes there seems like the way to go, both to save money and because it's a much more convenient location, but is there some advantage to transferring sooner that I'm missing? Would it look much better on my transcript or something?