Thanks for the replies.
She's reached out to Wells Fargo to see what they say.
Meanwhile, Credible offered a slew of options, many of which included paying a certain amount of points to get the APR down. Sort of weird, but I mean, anyone can pay down points on any loan to get a better APR, so I don't know what their point is to show that.
I'll have get give Sofi and Better a go too and see what they say, and look into AimLoan and LendingTree and Arcadia Financial too.