Without a co-signer, it is highly unlikely that she is going to school OOS because it will not be affordable.
As a junior, she can only borrow $7500 in her own name. Anything over this amount will need a co-signer.
If she is Pell eligible, then she will get PELL. Highly unlikely that there will be any additional aid the $7500 she can borrow from the federal government and then private loans. She will easily rack up more than 50K over the next 2 years paying OOS tuition/fees/room & board.
The most affordable option is to attend a 4 year school (SUNY/CUNY) that is commutable where she will get free tuition. When she finishes she can get a job and live wherever she is willing to pay to live.