Hey, I'm from the Sacramento area and made essentially the same decision about 4 years ago to come to the east coast for med school. I would highly recommend OUWB for the reasons most people have stated above: private loans do not qualify for PSLF, so if you happen to work for a non-profit hospital for 10 years (including residency), then attending CNU could be a mistake worth hundreds of thousands of dollars. Additionally, federal loan income based repayment plans (ie the SAVE plan) are FAR superior to anything that a private loan company can offer.
For example, I have accumulated about $260k of federal loans, so interest is accumulating at about $1200/month at my low federal interest rate of 5.5% on average. When I start residency next month, I will begin making $0 monthly payments based on my 2023 $0 income. This is nice because these $0 payments qualify for PSLF and all interest that would have accumulated is forgiven while I am making payments. Once I report my 2024 income, I will start making payments of about $150/month. So, I will be saving over $1000/month in interest all 4-5 years of residency just because I have federal loans (to add up, this will be somewhere in the ballpark of $50-60k in interest).
At the end of the day, if you choose CNU, I am not a doomsday-ist who is going to tell you that you will lose your spot at med school, and I think CNU has actually had a decent match. However, based purely on money, you will save hundreds of thousands of dollars by attending OUWB and avoiding predatory private loans.
Additionally, having home residency programs is a game changer. It helps a ton with research, networking, and LORs. You are always most likely to match at your home program. CNU will not have their hospital and residency programs up and running by the time you graduate, if ever. If you want dermatology (in any state), the name of your school matters, and CNU's name is not good. OUWB has multiple associated derm programs. Meanwhile, CNU has never matched a derm applicant into a CA residency position, even though they are in CA.