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... I got into Cal Poly? Fuck... I think it would be a better experience and hell, I can move out but damn, I don't have the damn money and loans scare me. :\
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I went to SF State and I'm still rocking like 40k in loans. That's almost exclusively due to living costs/rent in this fucking city, though...
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Loans be damned...go to whatever school you think will give you the best education, experience and job options. Being happy and motivated will go a long ways towards being fiscally capable of repaying your loans in the future, whatever they amount to.
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My father attended CP Pomona and says it was an excellent school. Take the chance