Did you run the net price calculator on each college to see what its price after financial aid would be?
If your parents have high income and/or assets to prevent getting financial aid, then the $20k plus federal direct loans of $5.5k plus maybe a few thousand in your work earnings may be just barely enough for some in-state publics if you have to live there (those within commuting range would be easier to fit into the budget, although commuting and food and utilities at home still do cost money). If that is the case, you may want to start by commuting to a community college to save money (i.e. spend significantly less than $20k per year) so that you can have a somewhat larger budget for your last two years at a CSU or UC.