Accelerated RN programs for a prospective student?

I am in college finishing up GE and I want to start nursing school next Fall. I'm 22 and I'm ready to get school over with, but programs seem to want it to be difficult for me.

Here's my situation: I live in Northern California, and I'm looking for an accelerated RN or BSN program that will take no more than three years (2 is ideal). I would prefer a program in LA, Orange County, San Diego, or the Sierra Nevada area. Las Vegas is also an option.

Here's the real problem: I need a program that doesn't require me to have taken a bunch of prereq science courses, because at the college near me, those courses only start in Fall and have prerequisites of their own, so I would have to be in school for another 1-2 years. I have only found two programs that fit my needs; one costs a small fortune (over 120,000 for a 2-3 year program) and the other is in an extremely dangerous city where I would be living on my own. Commuting to a school in a nearby city is too dangerous in the winter because I would have to drive over mountain roads in icy conditions. So, does anyone know of a program that includes all needed classes and would take no more than three years for an entry-level RN or BSN student?

Don't discourage me. If you don't know or can't offer any help, please don't reply.

Thank you