Terry, I don't think her mum will say yes (well, I know she won't since she already told me ).
Gimps, I'm unsure, but if someone can go guarantor then that's an option - I'd be willing to do it for her and I've got enough to easily cover the loan so the bank should approve it if I did that but like you said, not sure if you can do that for loans. Not sure if she'd want me to though.
YoYo, she is looking at 2003ish so it just comes in under the 7 year mark.
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I'll link her to this thread when she is online next and let her make up her own mind.