Makenzy receives her award and tuition letter from the college she wants to attend. Her tuition, fees, books, and room and board all come to \(\$ 39,200\) for her third year. Her non-loan awards include an instant scholarship from the school for \(\$ 19,500\), three scholarships she earned from sources she found online which total \(\$ 3,850\), and a \(\$ 5,000\) scholarship from her employer. What is Makenzy's college funding gap? How much can Makenzy borrow in federal subsidized and unsubsidized student loans? Once she takes out her maximum subsidized and unsubsidized federal student loans, how much will Makenzy and her family have to pay using PLUS and private student loans?