To stay or to transfer?

Now that I have competed my 3rd semester at Baylor, I have started to seriously consider transfering. After losing my scholarship, I feel like I am wasting my mom’s money at a school that is very expensive when I am not even making good grades. I feel like the expense of Baylor would be justified if I was making good grades, and using the situation to it’s full potential. With the grades that I am making, I might as well be at a cheaper school. I’m not sure what to do...