It’s really the parent’s fault for co-signing loans for that much debt. There is no rational reason for anyone to graduate with that much debt unless the degree says M.D. next to it. They completely set her up for failure by caving to emotional demands rather than teaching her the facts about money. She’ll hopefully learn that when loan payments come due. Sometimes parents need to exercise their financial authority and say no.
My daughter is 11 and just starting middle school. We’ve already had this discussion with her. We basically said that you get to go where the bank account says you can go. Fortunately, she doesn’t have any desires to go to an exotic university out of state. Fortunately in Texas, there are plenty of exotic universities here that are within our budget.