If you want to save money, get more scholarships and not have to worry about being accepted, take classes at a community college for a few semesters before you X-fer to a 4-year. I did this for 3 semesters, built up a great GPA (3.8), got a nice scholarship, and then X-fered to a 4-year. Lots of colleges also provide perks and benefits for X-fer students.
When looking at being accepted, college credits w/ good grades far outweigh highschool GPA. If you keep your grades up while at CC, you can pretty much X-fer anywhere you want without worrying. I had tons of schools sending me emails to apply, rather then the other way around.
PowderHound and TreeNinja