<p>You can play around with some of the calculators at [FinAid</a> | Calculators | Loan Calculator](<a href=“Your Guide for College Financial Aid - Finaid”>Loan Payment Calculator - Finaid)</p>
<p>My advice is to go to a CC first. It would be nice to attend the same U for all 4 years. There is no doubt that all other things being equal it is a better experience. You’ll have more opportunities to get to know profs, build deeper friendships (a lot is forged going thru that same frosh experience together!), feel more a part of the community and college. But all things aren’t equal. $40K in debt is a lot; running the numbers at the website gave me $460/mos in payments, which is huge. And remember that student loan debt can’t be discharged in bankruptcy; it will hang onto you forever. So while it is your decision, if it was me I’d go the CC route. </p>
<p>Do the things that make the most of your college experience and maximize your chances for UCLA. They give preference to TAP students, so attend a CC that offers that program. See [UCLA</a> - Transfer Alliance Program](<a href=“http://www.tap.ucla.edu/]UCLA”>http://www.tap.ucla.edu/) While at your CC be sure to work hard to get good grades since that is going to be the most important factor, and be sure to keep an eye on the xfer prerequisites for majors you are considering at UCLA. Take part in clubs and activities at your CC, and find like-minded students to build friendships with that are intent on transfer to a top U like you are.</p>