She's a grown-up. It's time for her to behave like an adult and pay off her debts, then she will be able to start over and earn her place ín adult society. If she has a job (or gets one), she should be able to pay this off in six months, with a few sacrifices, if she puts her mind to it. If that is not the case, she should take a second job, and a third if neccessary. If college has to be put on hold for a year, so be it. It's called taking responsibility.. I wish you both well, and we all makes mistakes, but there comes a time when we to have pay for them, rather than have our mummies whine about it on the Internet! Stop looking for an easy way óut, and just get on with it! The world doesn't owe her a living.