I can think of more creative and useful ways to spend 150k. Buying bitcoin and holding it for 3 years is one. By then she could probably open up her own fine arts gallery.
Discussion
I feel you. I've had many conversations with her about how much further the $ can go
Ask her if she would like some bold brutally honest advice that would positively change her existence forever. If so, send her on Nostr. I'll do my best to wake her up to reality. From an honest and stoically virtuous perspective.
If I can help save just one person from being brainwashed from a libtard college. It is totally worth it.
Maybe one day, but I'm afraid this is the path she's on for the time being