Even easier- just do squats with no weight added at first. Squats are often called the king of exercises—and for good reason. Squats work the largest muscles in the body, the thighs, and so they not only stimulate serious gains in muscular size and strength but also provide a systemic metabolic stimulation that seems to encourage even upper-body growth.
Yeah, it's really dumb to take out that much in loans. I second the advice to get generals done at a local community college while living at home the first two years, possibly w a part time job. Most colleges will accept 60 transfer credits. Then she can finish off her degree. As a female myself who was in science (ended up with an MS in geology), if your daughter is more science-oriented, she would hate hate hate all the drama that she will inevitably be sucked into if she lives in the dorms. If I could do it again I would live at home the first two years. My little brother did. It was so smart of him!!
Bless you!!