I would say that UCB would be worth it to you if you get the Regents’ scholarship, but not otherwise – the amount of loans you would need to take would be too much without the Regents’ scholarship (particularly since your major and post-graduation plans are not that high paying). If UCLA’s Regents’ scholarship covers the additional out-of-state tuition, it may be worth adding to your UC application, again aiming for the scholarship, not just admission.