Trying to find a story

I am searching for a story I read about a year or two ago. It was about a pair going to a university. I remember them living at campus, and them moving and a father, grandma and a brother with a boat and the family being rich and letting the transgender girl get some opportunities trough the family.
Also the mother of the non-tg was kinda crazy and went kinda berserk. I also remember one beiing poor and the other being rich. One of them was transgender and transitioned into a girl