i wouldn’t worry about getting through SDSU in 4 years, I know several students who were able to graduate a semester early… in my experience, many people who stay at any CSU longer than 4 years are either working, taking a really tough major like CS and can’t pass 5 classes at once (or want to keep their GPA up for grad school), or have a really late major change.
Here’s a thread on the topic.
http://talk.collegeconfidential.com/california-state-university-general/1523580-registration-and-scheduling-tips-for-csu-students.html#latest
Strings are attached to every scholarship, if she’s not comfortable with them, for whatever reason, she shouldn’t take the money. If one bad semester means she owes $50k or more back to the college - yikes! I wouldn’t touch that deal with a 10 foot pole.