People on CC do tend to be married to the idea that the college doesn’t matter, only the student’s effort does. Even if I totally agreed with that sentiment, this situation is more complex than a high school senior deciding between full ride honors at UMass and full pay at Harvard.
If she transfers, she will have a lot of opportunity costs: lost income from entering the work force later, potentially spending more time in college because it’s unlikely any school will let her graduate in 3 semesters, lost connections/recommendations/academic relationships.
She is almost 3/4 done with her degree and considering a major pivot…it’s understandable that she doesn’t want to take on debt, but it’s also understandable that her parents want her to appreciate the investment that has already been by them and by her.