Ask HN: Should I transfer to an online BS?

I'm currently enrolled as a Poli Sci major with a minor in CS (22 credits all the way through assembly and operating systems) and will be a junior this fall. I haven't changed majors because my school is really strict on letting people change majors to CS, and I would not be alble to qualify without restarting as a freshman (even then, ~10% chance of getting accepted despite good grades).

I never wanted to transfer because I like my life here and was planning on going into a research-based masters of CS, but since classes are all online for the foreseeable future I was considering transferring an online program like CU boulder or FSU to get the degree I actually want. However, tuition at every school I've looked at is significantly higher because of out of state costs and I'd likely have to go into a bit of debt as I only have 4 years of school money stowed away.

Is this worth it or should I remain where I am debt free?