Out of state public schools seem off the table financially for undergraduate degrees for your kids. Transfer aid often isn’t good even at private schools as well. Your oldest in CC should stick to CA publics. Probably best deal for your younger one as well.
Note that if your younger kid gets into a PhD program after undergrad, it should be funded (she will be paid a stipend to TA or research, and her tuition will be waived). So she just needs to worry about finishing her undergrad degree with good grades, minimal debt, hopefully some research experience, and solid GRE test scores when that time comes. She can get that at CA publics.
Stop looking at Fastweb. Waste of time.