Thanks guys. She actually was saying she was going to speak to a counselor at school to try to figure it out. As Hvert pointed out though, the counselor might have some financial incentives for encouraging her to swap majors again. I think I'll try to convince her to speak to a third party with no ties to the school, she's a reasonable person so she will probably see the logic behind this.

I tread carefully when addressing this subject because it's something she has a lot of anxiety about as well. She's not oblivious to the debt she's racking up and the long term consequences of it, but it's not something when wants to dwell on. I understand that position but I think it's also important to look at these things realistically. I wonder if there's a way to get some of the debt forgiven if she does change majors again, though I doubt it with the bloodsucking financial industry.

I'll keep you updated with how this goes.