Thank you all!
@calmom - her tolerance for risk is pretty high, though admittedly not Everest-high. What scares her about the interview is that it will be her first of any kind (not counting mock) so it’s the unknown factor more than the actual event. Finances demand she apply RD or EA where available so she will do as you say and include Barnard as one in a group of 6 schools: Barnard, NYU, Fordham-LC, two NC public schools, and a NC safety. She’ll probably get into the NC schools plus Fordham, won’t need her safety, and who knows about Barnard and NYU. (I could be mistaken about the likelihood of NYU&Fordham. Barnard is the stretch)
Personally I think she should interview on campus but she’s a big girl and gets to decide.