The numbers on the aid award that they list for the loans, she doesn’t have to borrow the full amount if you can contribute or she has savings from a summer job. It lists her eligibility. She doesn’t get the loans until she accepts them.
Costs also go up every year and the outside scholarship might only be for the first year so it’s crucial that your D works next summer so she doesn’t come up short sophomore year.
Also keep in mind that any scholarships and grants that exceed tuition, fees and book expenses, are taxable income to your daughter.