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<p>Well one argument in favor of staying would be that she has essentially zero chance of going back later and taking any additional courses she would be interested in - if she wants to do them, now is the time.</p>
<p>If staying an extra year means that subsequently she would be much happier in her career and life…may be worth $40k. Depends entirely on the individual case.</p>
<p>Perhaps some program like Fulbright might be an option - something not quite grad school, but academic and a way to nail down exactly what your interests are.</p>