Bachelor's degree in what?
Probably something that doesn't pay. Wasted money on the first and getting a second in nursing cuz she realized she missed the bag. Her parents are poor ( immigrants?) so they didn't have nothing either. Likely lacks financial literacy so credit scores, interest rates, saving and budgeting probably not too great. Loans beating her ass and she probably hit the limit she can take out for a bachelor's. Private lenders probably fukkin her over with high interest rate loans too.
Damn 32 years old though?
that's a long time to not have built anything.
You born poor you don't have the luxury of picking any major. You gotta pick one that pays first and foremost