Tranferring from a UC to CC in Spring 2021

Hi everyone, I’m unsure on how to use this forum so please bare with me.

I am currently a freshman at UCR and only recently I discovered that I want to be a BSN nurse ( which they do not offer ) and that this school is just not fit for me. Overall besides from the non-existent nursing program, I’m just not enjoying it due to the quarter system, classes, and most of all the cost- I just do not think this school is for me. I am currently thinking of applying to a community college for winter/spring quarter which would be a spring semester at the cc I am looking at but I am unsure if I should due to the financial aid which would just be loans, and how that would affect me by transferring and if it would be better just to stay, as well as any other advice. Please help!