Will you be working this summer and during the year to decrease the amount you’ll borrow? You don’t HAVE TO take all the loans “offered” to you. What’s the exact direct cost left over - and how much is “books, miscellaneous, transportation”? Because “books, miscellaneous, transportation” can vary a lot depending on your frugality and spending habits. You may need to buy a goosedown parka… but do you need a Canada Goose? Will the LLBean one (600 dollars cheaper) work as well for you? What about re-using your current coat? You may buy your books new, or used. Or rent them. Considerable savings there, too.
The only costs that you can’t change are the direct costs - what you pay OSU directly. Can you look into this?