True, but the issue is that because of access to loans she chose the high price school rather than a lower price school.
All four law schools in Minnesota have a higher cost than the average cost of law school (University of Minnesota, Hamline University, William Mitchell College of Law, and University of St. Thomas).
If she wanted a law school close to California that had a lower cost than the U.S. average, she should have considered Arizona State or Arizona. Both are ranked higher than Pepperdine yet cost below the national average cost for law school.