If your girl is trying to get a loan, she can get one as a student. She needs complete the application process for school, then fill out a FAFSA, then she can apply for a student loan up to about $8,000 with the federal government. That is the only way she can get a loan in her situation plus she can pay after college. She just can't fuck up with the credit cards again, and there is no way out of student loans unless a job is willing to pay them off once you sign a contract. Just an option.