I think that she should pay off the credit cards. Then once paid off, have only one card that pays you (her) back. For instance, I charge pretty much everything on one card (albeit save Ann Taylor Loft) and I know my budget limit. Thus, I use less stamps and I earn POINTS. I save those points and that is how I fly for free! That is the only way I can afford a plane ticket these days.

Once she has paid of the cards, decided her choice of payment (cash or charge), then she can save a certain percentage.