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Tell her she inst going to sort shit out panicking about it.
When I went to university I didn't apply for my loan until 2 weeks before I was due to go, so it can be possible to get it very quickly.
In the mean time, she needs to either start asking around to borrow money, or she needs to speak to the teachers or whatever to arrange something, ideally a delayed payment, which I can't see them refusing if this is the first time it's happened.
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