One thing I would tell her (and remind her dad) is that under no circumstances with the economic situation we are facing should a college student take on crippling debt. While having Yale, Stanford and Harvard on the resume is nice...what really opens up the options is having a big fat zero in the debt column as it lets you choose entry level jobs and areas of the country you might otherwise be forced to avoid to pay off that giant debt.
At a 32, that places her just outside the top 25% at William and Mary and UVA as they both have a 33 at the 25th mark, but what that would mean is that she likely would be on scholarship there if the grades match up to the ACT score. I would absolutely tell her to get a degree from a Public Ivy (Michigan, UVA, William and Mary, UCLA, Cal-Berkeley) etc with zero or far less debt than to rack it up at Stanford or Yale. And she doesn’t have to go to a giant state factory like Michigan or one of the Cals, UVA and William and Mary are both sized the same as the “true” Ivies so you get a “real college” feel and small personalized classes.
PS Having said that, there’s nothing wrong with putting in a ton of applications and seeing if a real ivy or colleges on par like Duke, Emory, Rice, Stanford, Vanderbilt, Johns Hopkins, USC, Notre Dame, George Washington etc... will pony up the $$$$$. You never know, when I was looking into law schools Penn and Cornell both opened up their $$$$ vaults to me, I ended up at Bill & Mary to stupidly follow a college girlfriend. The end result was fine as I love Bill and Mary and have nothing but praise for it BUT...if not for the ex-gf I would have likely ended up at USC, Penn or Cornell instead.