The College Transfer Process (Princeton Review)
Transfer Students: 8 Things You Need to Know (US News)
u.select – Get the Credit You Deserve (Transfer.org)
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Let There Be Light 
Liberty has some sweet programs as well as masters programs. Easy graduate acceptance if you’re already alumni from Liberty.
Question: Is there any place to realistically transfer without a financial burden with only 12 credits til graduation?
@Trevor: Almost all universities require transfer students to take a minimum of 30 credits at their university in order to graduate with a degree. Some require more. Liberty, Calvin, Wheaton, and Messiah are all examples of this. You might want to try calling the admissions office here: http://www.eastern.edu/
They (Eastern) don’t specifically list all of their transfer policies on their website, so you could get lucky, particularly if you explain your situation. I wish you the best of luck! I certainly feel for you in your situation.