Typically there are four options to for removing a person liability from a mortgage:1) Refinance the loan and remove the person during the refinance.2) Sell the property, and payoff the loan.3) File for bankruptcy.4) Negotiate a strategic default, but all parties on the mortgage will be responsible for any unpaid balance.She may want to call the lending institution and review the situation with them and discuss alternatives. She may also want to discuss this with a fee only financial advisor or a local real estate lawyer.