If I hypothetically get a 3.9 at IU after my freshman year and have pretty good chances at the IBW, is it worth it to transfer?

Currently weighting my options right now as a HS senior, and IU is looking like the best choice for me right now, as my gpa was dragged down my soph year by some mental health issues(have a 3.5 overall), but after receiving the appropriate help, I’ve made a crazy academic resurgence, with a 3.9 UW and a 4.3 W in my senior year, also getting a 1540 SAT. Due to this, I’m confident I can keep this up, and I eventually want to end up at a target.

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