RBS vs. IU

Hey, I’m a high school senior interested in finance and management who is currently enrolled at Indiana University at Bloomington (not Kelley). However, some recent reconsiderations have led me to lean towards Rutgers Business School at Newark, an instate school to which I was also accepted. 

The main argument that seems to revolve around IU is that I can transfer into Kelley at a more successful and fluid rate than if I were to from any other school. While this point may be valid, I am not sure if focusing all of my efforts into Kelley during my first year at IU is more advantageous than simply attending RBS at a cheaper cost (in-state) and then transferring out during my junior year. Another thing to note is that while I appreciate its prestige and academic proficiency, Kelley’s location does not feel like a right fit for me, and I was also not offered a scholarship by the school. Therefore, I am wondering if the financial benefits of attending RBS and transferring out in my junior year to a potentially preferable school outweighs the existing opportunity of attending Kelley through an expedited yet costly process. 

I am interested in a finance-related career, and I recognize that school reputation is somewhat vital towards a stable entry into the field. However, at the same time I would like to optimize my education while being mindful of the costs. If someone with experience could give some insight on my situation between IU and RBS, it would be very helpful towards making my final decision. Thanks!