Really messed up. Desperately need advice! (College)

Don't beat yourself up too much, man, Tufts is still a great school. I also went to a NESCAC schools and we had solid recruiting for banking / consulting and now I have a great consulting gig. Sure, we didn't have every BB firm or MBB beating down our doors, but had solid representation from lower-end BB's / solid boutique banks (e.g., Barclays, Credit Suisse, Cower) and, on the consulting side, solid non-MBB's (e.g., Oliver Wyman, ZS Associates). Tufts probably has a great pipeline into Boston so with a solid GPA and some networking I think you should be able to do pretty well.

If you have the typical WSO "BB/MBB or Bust" mentality then transferring to Wharton or another core target like Cornell, Duke, Dartmouth, etc. will definitely position you better. From my understanding, with solid freshman year grades transferring into these schools is easier than applying from HS but I haven't been in HS for like 13 years so I'll let others opine on this one.....

EDIT: felt the need to add one more thought.....

Lastly, life is a marathon, not a sprint. Careers, markets and opinions constantly change. Does being at a top school / starting at a top firm get you ahead? Absolutely. But it doesn't guarantee a thing. I have friends who went to H/S/W who worked at GS / MBB, burnt out or didn't perform, and are off doing random stuff and are FAR removed from Wall Street. Don't think your life is over because you fucked around during two years of high school - that mentality doesn't get you ahead. Being positive, working your balls off and constantly improving yourself is what gets you ahead.

No matter the decision you make, you have to do well now. Embrace that. Be comfortable with the fact that you have found a common stump that can lead to different branches. Be holistic when assessing your situation; at least you aren't debating whether or not you should quit your job at McDonald's in order to continue going to a community college to get your AA degree. You are fine!

You can easily get recruited out of Tufts for a BB. You don't need OCR in Boston, because every firm is there holding events. Seems like you've got a great attitude. Get great grades, network, read/learn about iBanking, and get an internship this summer. It won't matter where you did undergrad once you get experience at a decent shop. If you're dead set on transferring to Harvard, pick up a sport and non-finance extracurricular that you're passionate about.