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Honestly, UCLA has a subpar education for the sticker price but have you thought about transferring to USC after your freshman year? Imo you're better off taking the full ride, crushing it at Cal State for your freshman year, joining the right clubs, hustling for a banking internship in the summer and then if you're still interested in IB you can either transfer to USC for the ocr, network, brand recognition or continue to be the scrappy high performing kid. 

I've been in a similar situation. You should go where you have the broadest and strongest opportunities. I chose another UC school over UCLA. Not sure what I was thinking, but I didn't know about finance at the time and I chose based on fit. Realized too late that there is little to no recruiting presence. Although I broke into banking, it was an uphill battle. UCLA is a fantastic school with a respectable recruiting presence for west coast banking. No doubt you could break in from anywhere, but this could be the difference between getting any banking gig, and placing somewhere you're really happy with. Don't pass up LA unless you absolutely hate the campus or something.

Choose UCLA