In other words, she would need to work summers and part time during school to come up with the remaining $3-5k at UVM? This is assuming that you are not willing to cosign a private loan or take a parent loan (usually not a good idea if you do not actually have the money).
Are all of the other prices listed in post #0 after taking the $5,500 federal direct loan? It would be easier to evaluate if all of the net prices were listed after grants and scholarships only (not loans) were deducted.