While whoever did that to her really ought to be in jail, she does need to take some responsibility

• most people dont need such a big vehicle - clearly it will be expensive
• most people shouldn’t get the top end trim of whatever vehicle

Unless she willingly went into this because she used to have higher income, I do t see how she could claim complete ignorance

That kind of interest rate indicates she was a bad credit risk, either because she made the same mistake before, or she couldn’t afford it. If she’d already made the same mistake, will she ever learn? If she just plain couldn’t afford it, yeah, a lot of that is on the scummy salesman