Soft growing robots, commonly referred to as vine robots, have demonstrated remarkable ability to interact safely and robustly with unstructured and dynamic environments. It is therefore natural to exploit contact with the environment for planning and design optimization tasks. Previous research has focused on planning under contact for passively deforming robots with pre-formed bends. However, adding active steering to these soft growing robots is necessary for successful navigation in more complex environments. To this end, we develop a unified modeling framework that integrates vine robot growth, bending, actuation, and obstacle contact. We extend the beam moment model to include the effects of actuation on kinematics under growth and then use these models to develop a fast parallel simulation framework. We validate our model and simulator with real robot experiments. To showcase the capabilities of our framework, we apply our model in a design optimization task to find designs for vine robots navigating through cluttered environments, identifying designs that minimize the number of required actuators by exploiting environmental contacts. We show the robustness of the designs to environmental and manufacturing uncertainties. Finally, we fabricate an optimized design and successfully deploy it in an obstacle-rich environment.