So you think that someone who is a 3.9 at Top Public school but then drops to a 3.7 GPA upon transfer to a T20 Private school, wont look like a downward grade trend at a "tougher" school in upper level classes to an adcom? What happens with the new environment, with increased competition, that the OP drops to a 3.6? Medical school admissions is as much as it is about reducing risk as it is in achievement. There is marginal increase in somehow improving chances transferring to a Top 20 Private but there is increased negative risk. Why on earth someone who is doing so well at a top school now would take on increased debt and risk is beyond me.