Sorry, this math does not compute unless she started much later than the normal med student.
Graduate from college at 21. From MD/DO school 25. Intern for 1 year and that's 26.
That's all you need to be a general practitioner. Family practice rarely adds more than 3 years. Even if you take a year off somewhere, it doesn't add up.
Now if she started later in life, then that's also understandable, BUT that is one of the pitfalls of career changing into medicine. You've got a HUGE bill due (unless you go the in-state school route), and a shorter time to amortize it. By the time you're 35-40, the relatively long footprint, and the cost of switching is just way too high unless it's just something you have to do, have a well-to-do spouse, or if you have the money burning a hole in your pocket.
I will grant you that Family Practice pay comparatively sucks. But you rarely run into giant malpractice bills, and you're home every night, rarely do nights/weekends and are probably out the door of the office by 6pm even after dictation.
It's a very popular choice for wannabe moms, too, because of the extreme flexibility. There is lots of opportunity for part time and fill-in work without all the hassle of being part of or owning a private practice. As with anything, there is a risk/reward tradeoff.
Nu