That's so unethical. They have to know that she will have a hard time paying it back but they're probably counting on that because of all the interest it will generate for them.
It really does my head in the way that banks constantly push their customers to go into debt with them. I keep getting letters offering to increase my debt, I've sent the forms back with !@#$ off written across them in large red letters but they keep nagging me.
There are days that I seriously contemplate putting all my money under my mattress and never using a bank again....