She still only has two options: gain an immense sum of money, or spend eternity trying to pay-off that much debt.
You're saying that she has multiple possible motivators. Her motivators define her best interest. If her motivator was to have financial security, her best interest would have her take the money. If she wanted complete free will, her choice could not be determined by prior events, so she would have to either choose randomly, or have someone else choose for her. If her greatest priority in life was to piss me off, then she would perceive choosing the debt to be in her best interest.