If you're going for loans, FAFSA (federal) ones really are the best option, lowest interest rate, she might be eligible for subsidized. She will find out when she fills out the FAFSA.

If she can't get the loans processed and disbursed by the winter tuition deadline (I think add/drop? So second week of January, maybe?) BYU has as short-term loan that will push it out so she can still keep her classes while it all works out