But if your family’s AGI is less than $75K, you can go to any UT campus tuition free - hence why UTK is a great back stop for the OP to pivot to any other school of interest. While some seem silly to apply to on paper (UM, as an example), you never know. If you can afford the apps, then knowing you have very solid UTK in the bag, in theory anything else doesn’t matter (like a UM that is near impossible to get to cost). But it still makes little sense to apply anywhere that you know up front can’t or is highly unlikely to meet cost.
Still $10K, even at a U of Tenn campus, won’t buy you room and board.