the total cost she needs is 11000 times 5 which is 55,000. so you do 5 times 5000 for her annual grant is 25000 and 900 times 5 is 4500. now you add 25000 plus 4500 is 29500. 29500 is what she has. 55,000 minus 29500 is 25,500. 25,500 is what she needs now. now she has a loan of 400 per year. 400 times 5 is 2,000. 25,000 minus 2,000 is 23,000. so the answer is that she needs to borrow 23,0000.
