I’m not sure how your math adds up. You have 5k in cash. 5500 in federal loan. 5k parent plus loan. Then you and your parents are splitting the final 5k which is what you are posting with help from. Right? Someway to come up with that 5k outside current income or loans?
Living off campus next year could save “some” money but 4K is a stretch in such an expensive area. Have you added in the cost of travel, books and incidentals? Keep in mind won’t have that 5k cash you are starting with this year. You will likely have to take out the full fed loan each year which leaves you with 27k in debt, not 12-15k.
I really wish I had some ideas for you outside more work, more loan but I’m afraid that’s all I have if community college and transfer is truly not an option. We know several kids there and it’s just hard to knock the costs down. Hard to get around the expensive real-estate.