@Publisher, I presume you have deep and intimate knowledge of the education one can receive at UNM. I say that because I have little respect for those who spout off on subjects they know little about, and I don’t want to think less of you.
In any case, yes, this digression is an unhelpful waste of time for the OP as UNM likely isn’t a cheaper option in any case.
Her options are some combination of large amount of debt or working her way through a degree. Checking what academic requirements she needs to meet to maintain the fin aid at Bryn Mawr and Banneker-Key at UMD as well as knowing how long they would last is of the utmost importance.
Some colleges offer tuition remission to employees. Possibly something to look into. I know Columbia does, though you’d still have to get in (probably through Columbia GS, which requires a year off from schooling before entering).