[Nifster]

I think she would be best off contacting the following folks

http://getoutofdebt.org/2604/debt-counselors-of-america-what-i-learned

debt counselors of America has been used by a couple of folks I know. It does more than just charge you money to give you stupid ways to repair your ‘credit’. Your daughter needs help in learning how to handle money not in repairing her credit.

This is a non profit and they do good work

[DallasDeb]

Or check out Dave what’s his name. Someone posts his advice on FR.