i would contact other schools and ask them about financial aid. Some Iowa schools are looking hard for students. It may be that another school could provide more assistance then you could transfer when reaching sophmore status. It may mean a move which can be very difficult but it may be better than postponing your education.

i do not know your situation but is Voc rehab a posibility?

Or attending part time until the sophmore staus is reached?

Just some thoughts.

Take care and good luck.