Given the change in the family situation, it looks like her best option is a gap year. She can’t afford any of her options for this fall, and transferring is extremely difficult for international students who need aid.
That will allow her to more effectively pursue merit-based aid that won’t be affected by changes in her family’s financial situation. Even as an international applicant, her stats would not only guarantee admission but also significant aid at several decent universities. Have her start read through the links in this thread from the Financial Aid Forum, and check to verify which of the scholarships discussed also appy to international applicants: http://talk.collegeconfidential.com/financial-aid-scholarships/1678964-links-to-popular-threads-on-scholarships-and-lower-cost-colleges.html#latest