Attend a tier 3 or tier 4 school, while considering the cost differenece?

The tier 3 school is Creighton, which costs $31,000 a year. the tier 4 is Northern Kentucky University (Salmon P. Chase College of Law), which costs $15,000 a year. I am going to try and transfer after my first year depending on how I perform. My worry is should I spend the extra money to go to Creighton in case I do not get to transfer; since the school is ranked higher?