I was thinking the same thing. Perhaps a used model for 1/2 the cost would have alleviated the onerous payment.
She could already be $10K underwater on the loan. If she ran up the credit cards and her credit score has tanked she won't be getting another auto loan at 12%. Let's say she sells her car for $20K and buys one for $10K, the new loan will be $20K at maybe 20% interest. She won't be any better off. She needs to be working 60 hours a week while living at home..