Honestly? This is not YOUR problem!
She's over 18 years of age, isn't she?
Let her worry about it. You have done your part - supported her up to form 4.
If she doesn't ask for help, don't offer it. Assume that she is bright enough to make her own decisions... and seeing the grades she scored, I am quite certain she is very bright.
Nothing is real unless it can be named; nothing has value unless it can be sold; money is worthless unless you spend it.