What makes CA so appealing? Is it weather? Far from home? Narrow down the whys and see if there are other schools that may fit your criteria that could be more affordable.
FWIW, I don’t you are trading financial stability for happiness. PSU is a great school. If you land there, bloom where you are planted - get involved in what you love, make friends, etc… Staying in state doesn’t preclude happiness but having a ton of debt might later.
You can always move to CA for employment later.