If the employer was required to pay her - either by state law or by their own contract - then she can sue them to get her pay with interest. This won't fix her credit score, but she might get them to cover the interest she owes on the debt.
On the other hand, if she racked up a bunch of debt KNOWING that she would be unable to pay it back, that's her problem.
There IS a grace period: if you miss ONE payment you can call and apologize and they'll usually remove the late fee. There's also a minimum payment, meaning she didn't have to pay back the whole debt, only 2% per month. The fact that she wasn't even able to come up with that much, means she is in a lot more financial trouble than you know about.
And now she expects to pay for three children? Not gonna happen.
Let this experience be a lesson to you. Don't have kids until you can afford them.