Am I...scared?

I'm currently enrolled in a university already. The idea of transferring came from my high school teachers/counselors but I never gave it any consideration until I was with him. I only really wanted to transfer to be closer to his area and not make it long distance. The only other reason to transfer is because people say it'll be good for me to explore and to make new friends, but none of that appeals to me.

I could stay here and finish my college career in 2.5years or I can go out there and finish in 3 years.