What about Australia? Any English-language program in Europe or Canada if you’re willing to venture further away?
There are less expensive universities than Cal States.
What would your major or more broadly, college, be?
If you can afford up to 40k and you have a maximum of 15-18 credits (5-6 “full” courses or 30-36 ECTS) you can apply as a freshman to US universities; further if you apply as a freshman and have an SAT score, could qualify for some scholarships (though many deadlines are Nov1 to Dec1 so 
)
Scottish universities, unlike English ones, accept transfers. Deadline is Jan15 for Fall 2025 entry, tuition about £20k + cost of living.
Some even have January entry, for instance:
At Stirling in particular, a 32 IBD with a 6 in Economics would allow you to start some Year2 modules for Economics, tuition is £18k, the campus and town are lovely but most importantly about 1 hour from Edinburgh or Glasgow with lots of trains.
Beside Stirling, look into Herriot Watt, Edinburgh Napier, Aberdeen, Strathclyde for January intake.
If willing to wait, the usual suspects (“4 ancient ones”) can be added to the above.