<p>Room & Board would be in addition, as far as the Blue & Gold goes (@2016Candles), I would assume. I am assuming you may be able to commute to either UCLA OR Cal, but not both, from your present home, and thus may need housing? There is the Regent’s scholarship and the Phi Theta Kappa scholarship. I have read success stories of tons of scholarships on the community college websites. I think the community college websites (not only yours- check out many community college websites!) and the college and career center (transfer center would be good places to look. At the end of the day, taking out loans is probably not a bad option, if you are in a career-track major. You will likely end up with about $15,000 in loans payable over 10 years at under 4% (unless you commute).</p>