I think at that point your friend needs to re-evaluate what love means to her.
I am not saying she's wrong, only that having a well-defined understanding of what she's feeling will help her in determining whether or not she loves someone enough to make stupid decisions with them (have children, loan money, forgive cheating, etc.).
Some people need to swing around the birdcage of immature love for a while. When they mature so will their style of loving and then it's a whole new ball game.
If your friend is not damaging herself or causing financial ruin or damage to anyone else, let her be. It's her life.