At the very least ask your parents to spread their part out over the 4 years which would allow you to get 5500 your first two years and 7500 the second two years (max out loans you can take). If they safely invest the amounts over the couple of years they aren’t spending it there should be a modest increase.
Ask them too if they are willing to go with the highest amount rather than just whichever one you choose (is it a set amount they are willing to offer)?
Be wary about going for loans above the Fed max, esp if med school is on the horizon. Med school is super expensive.