Well, there probably are a lot of different options. With home prices so high these days, she may be able to sell the house, pay off the mortgages, and still have a little cash left over to pay for a couple of months rent at a less expensive place.
And with employees in such demand, she may be able to get a part-time job to bring in more income.
I suggest she immediately call the National Foundation for Credit Counseling at 800-388-2227. That will automatically connect her to the nearest local office of this non-profit. You can trust their advice. I hope she can avoid bankruptcy — and it should be the last resort, because it will impact her ability to sign a lease and get a job.
They will show her which debts are legally hers, and which died with him. That may lift some of the burden. So don’t delay.