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Get out a pencil and paper. Figure out what the monthly payments will be on the debt you will have... $60,000 or more, I'm guessing from what you've said.
Then how many months/years you will have that debt.
Then, look at what your job opportunities are likely to be and at what salary.
You will probably conclude that your dad is correct.
But you might not.
As prathiba6 has implied, we can't tell you much without knowing what CSU is, what your current major is, what that major is that they have that you can't get now.
You don't sound particularly unhappy where you are; so you may be way better off to move to that perfect location, debt-free, after you graduate.
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