Around here you decide on the last 2 years curriculum, aka major and minor and look at their requirements for the first 2. Take that to your Jr. C. counselor and take what transfers. If you need to go to summer school to get in the 3rd year, so be it. If you live in an area, like here, where the Sr. U and the Jr. C. are co-located, or run by the same district, they offer courses at the Jr. C level that automatically transfer and it's a seamless process. Only problem there is your major selection and whether or not that was part of the curriculum planning.
On expense, I think the tuition assistance loan is part of the culprit for higher and higher fees. See ads all the time on the www. Apparently the current administration is really pushing it and the Us know it.
Now most students can afford "whatever the traffic will bear" allowing the Us to charge what they like. The problem is the pay back part when the student graduates and goes out into the business world and has to live and pay back the loan. Course then they have one of the useless degrees that have no demand and the grad winds up slopping burgers (again) they don't pay squat so the student can't afford to live even though they have the sheep skin.
On what you get for what you pay for, that's something else.
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