If $108 blew her budget, how does she propose she's going to pay for a rental? and If she is unfortunate and does happen to break something, how would she afford to fix the rental/loaner bike? If she detonates the derailleur for instance, and it was a $50 derailleur it's not unlikely to be over $100 once you throw in labor...thats out of her budget, by her own admission.
This sounds like someone looking for a sucker.
I think I'll hold on to my bike, and wish her luck.