I am currently a student at the community college.

I am a target of completion in the fall and transfer to the CSU in the next year.
I ask a student loan, when the best time .. and what to advice on choosing loans.

Answer

When you have completed your FAFSA and apply for student loans qualified federal government now. Loan rates are determined by the government, it must essentially unchanged. I suggest you choose a lender is familiar and comfortable, and not necessarily that says your school. You do not have to use their "preferred lenders" to.
Your bank or Credit Union is an excellent choice.

If you opt for a private loan, the interest should go to the deciding factor.