Easy solution. Move out of SF and move your practice, or join another practice, in a cheaper city or state. If she owns her home, she’ll make a lot of $$.
Her practice is in Pacific Heights where many homes are in the $3-5 million range. But still, $3,000 a month in interest alone and she’s still not touching the enormous principal. If she doesn’t own a home and is renting, well yes, she’s in trouble. At least with a home you can cash in the equity.
If she owns her home, she’ll make a lot of $$.
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She may also make some money selling her practice. Every year it should be worth a little more in terms of it being a viable business.