Fairstone Loan

My girlfriend just told me she made the rash decision of getting a Fairstone Loan today. $8,000 loan, has 2 years to pay back with interest of $4,000 ($12,000 payback). She wasn’t aware interest was going to be that high until she read the paperwork when she got home. She has a great job, can easily pay it off. She couldn’t deal with the anxiety anymore of worrying about the debt.

She does have a couple of credit cards she was paying monthly minimum on, and some other debts. Essentially she wanted to consolidate her debt by using the $8,000 to pay everything off, which she has committed to.

I am a bit concerned as I think a LOC would’ve sufficed. I am not familiar with Fairstone loans. Is there any way she has a 24 hour grace period to get out of this?