Too late for local college. This school has a very good reputation for turning out top notch grads, and this student will likely be one of the best. The student received multiple local scholarships, including the highest payout one and it is renewable for the four years.
Financial aid at top schools usually consists of four parts: grants/scholarships; loans; work study; and the expected family contribution (the "EFC" referred to above, a/k/a "what we think mom and dad can afford to pay"). Usually, a "top-notch" school will start by subtracting the EFC and the federal student loans from the tuition/room/board/etc., add in a work-study job that they assume will bring in a certain amount, and then make up the delta with grants/scholarships and work/study.
So this isn't about whether a kid can/should take out loans to pay for school, or get a job, or whatever. It's about whether your kid should take out additional loans over and above what the college/federal government thinks they should, and/or get a second job over and above what the work study provides, to cover the part of the EFC that you are refusing to pay.
Unfortunately, you don't get to choose "expensive top-notch school" + "no EFC or loans." You can send your kid to an expensive top-notch school, but you then need to be prepared to come up with the EFC. If that isn't in the cards for one reason or another, you can send your kid to a cheaper local school, where maybe your kid can pay tuition out of those scholarships and the available federal loans and/or part-time jobs around town. You're not doing your kid any favors by encouraging an expensive school and then demanding that they take out loans to cover your share as well as theirs. If you don't want to cover the EFC, then tell your kid s/he needs to go to the cheaper local school that s/he can pay for independently.
The other alternative is to have your kid go to the financial aid office and demonstrate changed circumstances -- usually the EFC is based on the tax return from their junior year in HS, so if you have FIRE'd since then, they might be able to get a supplement scholarship to cover at least part of the difference.
The direct answer to your question is that there are a gazillion loan companies out there that will provide Parent Plus loans that you can require your kid to repay (morally, not legally), or perhaps direct loans to the student with a cosigner -- The Google can help. But making your kid double-mortgage his/her future for a fancy degree? Not a good idea.