Tell her to go to a reputable bank and see what they'll do. You've got a pretty good chance that they aren't going to try to screw you, and it's doubtful that some private organization can do better than a bank.

Note that I am most definitely not an expert on financial matters. It just seems to me that if you're in a situation where this sort of thing starts to seem like a good idea, probably based on late-night ads, then it'd be better to go to a reputable financial institution than to some fly-by-night company who might end up pressuring you and you end up caving in to a bad deal.

I'd say to shop around with banks, too. My main bank was recently offering loans at like 8.5% while my credit union was offering at 4.75%. The generic advice they give will be more-or-less valid, too, even if you mix-and-match advice and loaning institutions. Even if they suggest a third-party debt counselor, you can feel better that it's probably not someone trying to push you into a 20% loan.