She is nearly 22, but going OUT after 9 (quite common) means coming back at later hours, and not always at the same time to the same place. While she has a concealed carry permit here in Ga, it is useless in NJ.
It’s a condition Yellow thing. (cooper’s colors)
Tell her to take a cab or an Uber. She needs to budget for cabs. As someone else pointed out, even 1am isn’t late for NYC. 3am, yes, that’s pretty late.