Technically you do not transfer to a CC, just apply and start taking classes. If you are at a Sophomore level now at UCSB, do you plan to apply as a Fall 2020 CSU transfer or do you plan to apply the following year 2021?
You would need to have the Golden 4 CSU GE requirements completed by Spring 2019 to be eligible for Fall CSU admission.
It finances are an issue, then it makes sense to finish your pre-req courses at a CC and transfer.
Best of luck.