How much will your parents be paying if you go to Vanderbilt? Are you saying that they will pay most and the remaining amount for you is $10,000/year after accounting for books, spending money etc.? Are they planning on loaning you some of that $10,000/year since you can’t take that much in student loans?
Depending on your parents’ expectations, one idea is that you could get a campus job and plan to make $1000/semester, then earn $3000/summer and then take $5000 in loans per year. That seems doable and would only leave you with a total of $20,000 in loans. That still may not be the best choice given your other options. However, it seems a lot more manageable and maybe you could work for a few years before grad school in order to pay down those loans. What are your parents saying about what they think you should do?