Also realize if you get advanced standing at Charles, you will most likely run into licensing issues in the future, thereby making the advantage of going to a Cali approved school a moot point. If the curriculum is normally 6 years, do all 6 years; if it's normall 4 years at SMU, do 4 years.

I'd personally do SMU, if I were you; you're only out of the US for 18 months, as opposed to 6 years at Charles (because, like I said, the 5 year idea is a bad one, IMO).