Have you considered that some of it is just mad cabin fever? Sounds like you've been in the same house for at least 6 yrs. Why don't you take a term or two off to work and travel, starting this Jan or next summer?

Let's suppose the equation is

(baseline commuter alienation)*(personal response factor) + (cabin fever) = ):

First term is difficult to change (moving on campus might not make financial sense or that much of a difference if it's still your hometown); but dealing with the second term can be super doable both logistically and financially. Just make sure you have a structured plan of what to do, that you'll be around other people, and that you have a fixed date & plan for coming back to college. You're not dropping out, just ducking in and out really quick for some air.

In addition, you might be surprised, 5 terms of college isn't necessarily too late to transfer. It just depends on the target school in question and how the credits work out.

Good luck, unknown internet buddy!