What is not clear is, your family or financial situation did not change in the last 2 months. So you had some plan and reasoning behind your decision in joining UCD. So not clear how finance is playing a critical factor in your current decision? Is it just because UCD disappointed your expectations?
Besides hard (subject) lessons, we all learn soft lessons when we grow. So what are you facing in UCD is nothing unusual and that is the reality. We need to adapt to the situation and find a way to succeed. What makes you to conclude that all teachers are going to be of the same caliber in UCD? Only very few people find a perfect school, perfect spouse, perfect house, perfect boss, perfect child! We need to focus on what we can control.
Since you are very serious, did you estimate how much really it is going to save. Because even if you go to CC for sophomore then again need to get in to college for last 2 years where the difference between UC and CalState or private colleges is going to be minimal. Have you thought of any other way to contain the cost, like is it possible to do the UG in 3 years in UCD or working or what ever other possible avenue?