That's right, taking loans doesn't mean we are the poorest or the least. Some loans have to be taken to sort issues at some point to avoid going into broke situations lol.
Even with the extra month given to her, she couldn't meet up. It happens and I think loan givers expects this much from some of their debtors.
She was living above her means and that's why even with the extra time to pay back she couldn't meet up.