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I'm assuming you meant about you'll be paying $20,000 more PER YEAR. That turns into about $80,000 more to graduate, and that's only if you graduate in four years - and that might be difficult if you really do plan on majoring in physics or E. Eng.
I personally don't think it's worth the extra $80,000 for a degree that really isn't much more valuable, if it all. I say go to UCSD and buy a brand new BMW... You'll still end up spending less money.
There's obviously other aspects such as campus life and the distance from your home you should consider, but in this world... money's king.
My two cents.
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