Olivia receives her award and tuition letter from the college she wants to attend. Her tuition, fees, books, and room and board all come to \(\$ 44,845\) for her second year. Her non-loan awards include an instant scholarship from the school for \(\$ 13,500\), a scholarship she earned for enrolling in an engineering program for \(\$ 5,750\), and a \(\$ 2,000\) scholarship from her parent's workplace. For her first year, what is Olivia's college funding gap? How much can Olivia borrow in federal subsidized and unsubsidized student loans? Once Olivia takes out her maximum subsidized and unsubsidized federal student loans, how much will have to be paid for using PLUS and private student loans?