Cost of attendance is approximately $18,000. What exactly are they factoring in? I can't imagine that they could define a flat rate for things like books and cleaning (laundry, etc).
If it's really ~$10,000 they're expecting and the other $8000 is for books, computer, laundry etc then the preparation for financing would be a little different. Like instead of a $12,000 loan I'd need a $10,000 loan because I already have a computer