She will have choices.
I would suggest she draft a careful set of sentences about this extenuating life hardship that can paste into the "anything else" question section. And share that with any recommenders and her counselor.
In Michigan, there is a consortium of decent universities that produce quite a lot of solid performers that agree to take any Michigan student with a 3.0 or above. Just giving this as an example of a forgiving climate below the top tier.
https://maap.org/
A 3.5 is good at a lot of schools. Do try to find a school likely to spark her intellectual curiosity. That might mean a smaller school where faculty recognize students in class and there is lots of classroom participation. I think big schools can be boring for less involved students.