Where would you get the 10k from? Are student loans already in your financial aid package? You can’t borrow more than the standard federal student loans without a co-signer.
If you have been awarded work-study money, you still have to find a job at the college, and you have to work enough hours to make that money.
Sit down with your family, and run the numbers here: https://www.finaid.org/calculators/awardletteradvanced.phtml What is in the Fresno State aid package that isn’t in the UCD aid package? Is the difference simply that you would need to live on campus at UCD, but can commute from home for CSF? If you would be commuting, have you factored in the cost of that commute? What about the cost of your meals at home? Sometimes families find that their grocery bills really drop when their college-age kid isn’t living at home any more.