Try they aren’t that bad (7% interests) and definitely quick.
The Idea is to find a loan at less interests than you pay now, and fixed interests.
Credit cards can have high interests so it shouldn’t be difficult to beat them, depending on your credit score.
Whoever you go with, you should always check if they belong to the American Bankers Association at or at least the

This isn’t an unmanageable amount. Cut back on optional expenses and pay as much as you can each month.

Consumer Credit Counseling might be able to negotiate something on her behalf to pay it back and stop/seriously reduce the interest rate. Just google it.