<p>As a California resident why not apply to some UC schools. Your stats might be good enough to get accepted to Berkeley.</p>
<p>In addition, for California public universities you’d be allowed to only use your Mom’s income and assets. You might qualify for reduced or free tuition under the Blue and Gold program. [University</a> of California - Blue + Gold Opportunity Plan](<a href=“http://www.universityofcalifornia.edu/admissions/paying-for-uc/financial-aid/grants/blue-gold/index.html]University”>http://www.universityofcalifornia.edu/admissions/paying-for-uc/financial-aid/grants/blue-gold/index.html)</p>
<p>Combined with your Dad’s college fund, you might be able to finish UG debt free.</p>
<p>If Grad school is in your future, that is a sensible alternative.</p>