Stay or Transfer before Recruiting

Ok so currently having a debate. I got into Penn State/Ohio State/Rutgers as a transfer from my LAC, that has a very small background in finance, like 50th ranked. In state tuition is what I will pay at new school. My question is however, should i stay and try to transfer Sophemore Spring to attempt to get into a better school. Think BU,Nova, reaches of Wash St. Louis etc? How much will it hurt recruiting?

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