I think what she can do is prepare for two test, if she wants to be dental doctor. Dental doctor earns a lot than dental hygenist.

She has a perm resident that means she can get federal loan easily so tell her to study hard for two exams and then apply for college, she can apply for school in december if she can get done with the exams by November if not she has to wait until next semester.

best way is to go to school for 2 years and she can paid off her loan ea\sily once she is a DDS.