Did she really take out a loan for her masters?
I had savings so paid mine up front, and it's always been something I've been pleased with - that I never had any debt from it.
It would seem to me, if she was at home, and had income from YouTube, she'd better pay up front.
I know student debt is a graduate tax, but it's nicer if you can clear the tax by not adding to it more than needs be. I was lucky two years ago to get a small lump sum following a family death and I actually had gotten my student debt small enough I was able to pay it off in one go.