<p>If you’re going to rack up that much debt just for an undergrad degree, then I would say go to community college. You’re most likely be able to get into UCLA right after cc if you got high enough GPA, and I assume you’re capable of that based off your current scores. So follow your dreams. Also if you do decide to just stick with UCSB, you can always transfer from UCSB to UCLA in two years. But I for one would not want to rack up that much debt. I recall reading from a study that the first two years of college, you learn nothing…(this is an exaggeration but you get the point). Save 40k and follow your dream.</p>