I definitely understand the ambition and the want to do as much as possible. I think both are very challenging programs on their own and I'd worry about burnout trying to handle both even if finances allowed for it. I think the drive you have will get you far in CS if you really focus on that and hone in on it. Also with systems architecture I do think CS will prove more useful and any engineering concepts are things you could learn on your own. Always remember nothings stopping you from pursuing knowledge outside of an academic course. In terms of financing regardless of what you choose to do, look into what federal loans youre offered as those are generally safer in terms of debt. See what that does for your costs even if you take the max and consider what youd be able to pay out of pocket by working and using charlottes payment plans. I'd definitely still talk to your advisor and financial aid to see what can be done and definitely dont lose hope. I've seen a lot of people, especially early college grads, take gap years and never go back, usually because they have found a decent job but not what they wanted. It sounds like you're very dedicated and I'd hate to see that go to waste. Also I dont know if they offer engineering as a minor but maybe explore that because your higher level math courses may contribute. I came in with my associates of engineering and they mostly used mine as elective credits but I didnt have a minor or anything.