Tennessee won't lose to Vanderbilt and Kentucky. Vanderbilt has lost 6-games in-a-row. Kentucky is just horrible.
Tennessee's 5 losses are ALL to teams currently ranked. In ALL 5 losses, the Vols were leading, tied, or within 6 points sometime during the 4th quarter. And the Vols are one of three teams to have beaten a current top 5 team. Tennessee, Florida State, and Michigan are the only teams to have beaten one of the current top 5 teams this season.
So no, I don't think Tennessee will lose to either Vanderbilt or Kentucky. I also don't think they will lose in the bowl game against an unranked opponent. However, 7-5 won't get them ranked. They are not even receiving votes now. The last 5-loss team to finish ranked was Florida (8-5) in 2003. But they played an extra game that season to get to 8 wins. You have to go back to 1999 to find a team that finished ranked in the final AP poll with only 7 wins (Purdue).