Unless things have changed, there will be a summer semester requirement for all undergrads at UF https://www.eng.ufl.edu/students/faq/summer-requirement/ (that link is from the school of engineering but speaks to the requirement). She can petition to waive that if she qualifies https://registrar.ufl.edu/assets/pdfs/summer_enrollment_waiver.pdf
I agree that overall, UF is a more competitive school than IU, but I don’t feel this holds true for finance. Please also don’t make decisions based on possible post grad salaries. So many things can change (including her choice of a major). Thats just not a reasonable compotent to guess and factor in, IMO. Has she considered, separate from weather, the “way things are run” (if you know what I mean) in FL vs Indiana? Does that matter to her enough to factor into her decision? Even though I did my graduate work at UF and you’d think that might bias me, I don’t know that it does (in fact it doesn’t) in your situation. Keep us posted about Emory too! For now, since you are asking only about Kelley and UF, hopefully the discussion can stay on topic for your questions.