170.000?? How did she do that? For this ammount of money she could have founded her own business. Even at an interest rate of only 4% she would have to pay $ 6.800 for the interest each year. This means even if she could afford to pay every month $ 500 then the loan would still increase.
When she would pay $ 1000 per month for the next 20 years, then after 20 years there still would be a rest of nearly $ 20.000 to pay.
Therefore she should consider to file bancruptcy.