I am graduating this upcoming May from DPT school, however I did not attend either of these universities you mentioned.
I wanted to comment on this post, specifically, because I went out of state for graduate school & I think it was the best thing for me. I was able to study harder & focus on school / adventuring in my new city and focus on relationships with other PT students and faculty.
The only downside to my experience was that I am in a cold climate, but California would be awesome to live!! If there is a time to live in CA, my advice would be to do it now, especially if this is a place you’ve always wanted to live. Now that I am almost graduated, I am so thankful I got the experience to live out of state & meet new people & experience new things.
About the money...Once you’re in school everyone has loans. Everyone doesn’t live in fear about them because they know they will get paid off. Whether that is in 3 years or 15 years. So focus on WHERE you want to be (it sounds like that is California), and the rest will be history!