Currently I am holding around a 3.5 GPA, and by the end of this semester will have 21 credits.
It will be relatively easy to transfer those credits to another US university, while it would be nigh impossible to do so to a Polish university.
After that I was planning on transferring to a large out of state university. The only problem I have with that is the insane cost (Would be $50,000+ per year).
With a 3.5 GPA, you might qualify for a merit scholarship to an American University. Furthermore, you may well qualify for a needs-based scholarship, as well as student employment. All of that will not be possible in Poland, at all.
Here is a list of "good value" colleges in the US. There are plenty more lists like this on the internet:
I decided to go to a community college for the first two years to get my general education classes done for cheap.
Smart move, as long as those courses are recognized by the school you apply to in the future.
f I were to study in Poland I would be limited to study in English
Most courses taught in English at Polish universities are a joke, and the degrees are of little value both in and outside of Poland. As Monitor rightly points out, there are some exceptions, but they are few and far between.
I'm not sure if Polish Universities look at clubs and such
Not at all. It's not part of the educational mentality here.
Is studying English useless out there? I'm unsure of where you can go beyond the degree.
Studying English is just about useless anywhere, and doubly so in a non-English speaking country. "Humanistics" degrees in general are a poor investment, unless you are a top student at one of the extremely exclusive and selective toppity top universities. That includes majors like art, music, performing arts, theater, cinema, languages, literature, philosophy, "soft sciences" like psychology and sociology, journalism, international relations, communications, political science, ethnic and culture studies, religion and theology, economics, business, "general studies", tourism, "pre-law" and the like. Basically, anything that appeals to the math-shy slacker.
The best predictor of future earning potential the amount of high-level applied mathematics you have taken. I know that young people don't like hearing it, but in the real world, math is money. Unless you're happy with flipping burgers at McDonalds or being a barrista at Starbucks for the rest of your life and spending your retirement working as a greeter at Walmart, seriously consider studying applied mathematics fields like econometrics, financial or actuarial mathematics, higher level accounting, engineering or hard sciences. It would be a better investment even if it meant taking another year at community or local state college to beef up your math and science basics before you transfer. Financial aid is also easier to come by for STEM (Science, Technology, Engineering and Math) students than for humanities students. Unless you parents have left you a sizable trust fund that will last you for life, future earnings potential should be a very high priority. Ignore anyone who tells you to study what you love, and let the future sort itself out. It won't, and you'll end up hating what you studied with a passion.
Furthermore, is it similar to the states where there is student housing? Or are you on your own?
Student housing is available, though the waiting list may be long and you're not guaranteed a place.