Get a reasonable degree (4 year) in the process of being a photographer. Make sure she picks up some business classes. Then follow her heart, and be the best she can be. (korny,,, but everyone I've met that was doing well in their work was really passionate and focused). Whether it was IT security, networking, AV...

When she discovers that a small number of photgraphers, (and chef's for that matter) actually make a reasonable income, she can add to the academics and move into a new field. What percentage of 40 year olds are actually doing what they were trained to do int he first place? Not a big percentage.