Print this out and keep it so you’ll always remember you chose to do this.
this is just an example of making stuff up to justify your decision. How is ucla “way better” for pre-meds or at teaching biochemistry? Do they have some special way of teaching? Do you think med schools care about what college you attended undergrad? Are you aware ucla doesn’t actually have a premed advisor, you just go see a random staffer in the career center? Did you know that like many large publics, ucla will not assign you a faculty advisor so you’re on your own in picking classes and the like? Have you read any of the other posts where people are worried about ucla for premed due to the competition and large classes with tough curves?
It sounds like you’ve made up your mind, but take a minute to browse thru http://studentdebtcrisis.org/read-student-debt-stories/ And keep in mind that unlike many decisions, this is one you’re never going to be able to reverse; student debts cannot be discharged in bankruptcy.