You have the course you are studying in common, so ask her how she is finding it, then ask her about the other classes she is taking, especially the ones you don't have in common. I say that because it might open things up a bit more than sticking to the course you have in common. If she wants to talk, she'll open up, but otherwise it will just seem that you are a fellow student being friendly and no big deal. Once you have chatted about the course, you could ask her what she does when she isn't studying or you might be able to pick up on some clues in how she dresses or the type of accessories she has, e.g. I love dogs and I often wear clothes or jewellery that depict dogs. I'm sure that she won't think you are dumb.