Staying in St. John's University or Transfering to Baruch

I'm currently attending St. John's with a 3.0 GPA as a sophomore majoring in Finance, is it worth it to transfer to Baruch? I don't mind finishing undergrad in 5 years as long as its more worth it in the long run. What would you guys do in my situation? If I attend Baruch I will be attending for free and receiving a stipend of around $5k a year, where as in St. John's I will be paying about $10k a year.

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