CSU LB and SDSU financial aid question.

I probably should have asked you if you are in the local service area which it seems you are for neither school so you will be required to live on campus but you can get an exemption which would make the costs more reasonable for CSULB.
From the CSULB Housing Website:::

First-time freshmen are required (as space is available) to live in University Housing during their first year at CSULB.

Research continues to show that students who live in university housing, particularly in their first year of college, have an advantage over students who do not live on campus. These advantages include greater psychosocial development, higher retention and graduation rates, greater educational aspiration and greater satisfaction with their overall college experience. In other words, they grow more personally, make friends, stay in school, are more likely to graduate and are generally happier with their collegiate experience than their classmates who commute to school.

You are NOT required to live in University Housing if you:

Are 21 years or older as of August 18, 2018
Are enrolled in 5 or fewer units (checks of your enrollment will be done throughout the semester.)
Exemption Policy

Exemptions from the requirement will be considered based upon the criteria listed below. Students must be admitted to the University, and apply for Housing, before they can submit an exemption request. All requests must be submitted online through the application portal. Appropriate supporting documentation which demonstrates the authenticity of the circumstances for which a student is requesting an exemption, can be uploaded along with the Exemption Form. Students who are under the age of 18 when appealing must also submit a letter from a parent or guardian indicating the latter’s awareness of and consent to the appeal to live off-campus. The Exemption Form will be available on our application portal on March 5, 2018.