She could avail herself of many sites on the internet that have the formulas to calculate loan balances and payoff. I am sure she would not understand how to use the formula. These same sites have a plug in app that will do it for the mathematically challenged. It goes like this:
1. How much did you borrow?
2. What is the interest rate?
3. What is your balance on a yearly basis.
It is pretty simple. Any bookmaker can do it precisely to the penny and they did not go to college.
She is an idiot.
I forgot to add this. My last year of pharmacy school I was broke. I did make a loan and knew exactly what it would cost. I paid it off early. In present day dollars that 8000 dollar loan would be about 24000 dollars. I paid it off in less than two years by wise management of expenses and purchases. Once paid off we bought a house. The loan was a wise investment that gave me an immediate good salary post graduation.
If I were a bank I would not give loans to anybody that was not on a career path with a good job. It is a bad bet.