Who says she should have gone to college at all?
Here's the essential issue, and it gets back to the bell curve: at least 50% of the population has an IQ below 100. These types of people generally have poor impulse control, act in emotional reactive manner, and don't have the requisite cognitive abilities to understand basic financial concepts. In the situation being discussed, they are on the buy side of the customer-provider relationship.
On the other side of the equation are people manning the management, product development, marketing and sales positions who are in possession of IQs in the 115-125 range. These folks are the ones running the scams at the both non & for-profit educational establishments and student financing operations (aka banks).
Most civilized nations used to recognize this basic intelligence inequality and enacted laws prohibiting predatory lending and other nefarious sales games. However, as usual, the so-called workers' party (DNC) merely used their base as useful dunces and marks to advance their own financial gains by eliminating and eviscerating many of these protections. (See Clinton; banking reform.)
The result are millions of these helpless 'victims' who have no idea what happened to them. In effect, the perfect crime, because they don't even know they were ripped off. In practically every one of these kinds of instances, the loser should have merely worked their way up the ladder, learning their respective skill/craft through traditional hands on experience.
But, they were sold a bag of goods, and are slowly realizing how truly screwed they are.