(This paragraph is not necessary to read) Background: I am a physics major and I just got accepted to Rutgers University in Brunswick today. I only applied three weeks ago because it was a last minute decision not to continue to finish my community college associates. To clarify, I wouldn't have been able to finish my associates in the allotted two years since I started off with algebra and did not take advantage of summer classes (for good reason too). Getting to the point, I'm quite disappointed because their scholarship opportunities are dreadful for students like me. Their scholarships consist of those for first year students, and those for transfer students who completed an associates in the allotted two years by spring and hence I do not qualify. This is really unfortunate, I have a 3.9 and research experience. Their physics-based scholarship is there for students who have been there in Rutgers, so I am only eligible for it at the end of the year. And since I am not getting a scholarship, I have to commute there (a big downside)-- which shouldn't be TOO bad since it is around 40 minutes to get there (with no traffic). I can handle that for a year, though I'm not particularly happy about it. The bad part is that if I were to get a scholarship from the physics department for the following year -- it would only cover me $7500, which doesn't help enough to convince me to pay for room and board fees. Now I'm in a bit of a pit hole and I would greatly appreciate some advice. The way I see it there are a few options: a) Stay there for the next 3 years and suffer the commute (not likely). b) Just continue onto my community college and transfer in the spring (not likely) c) Transfer to another university after the first year at Rutgers which are of equal or higher reputation in physics. This though would mean searching for an out-of-state university and hope that I will get fully covered. (looking into it). d) Maybe it isn't too late, aim for late admission at a couple of other universities NOW.