CalAlum --- Last time I checked the admissions page, the "cutoff" was <$75,000 you get no loans.
When I went to visit in sophomore year, our presenter said that if you make $75,000 or less, you get a full ride. Not sure why he said this, other FA officers have said differently.
I would go to UCLA. Congrats on being a finalist!! You have interest in both schools, maybe more interest on MIT. But in my opinion, I wouldn't go to a school no matter what if i had to pay full price.