Alternatively, she can wait till the end of the year on the hopes that she'll get more back (and there would be no commission or fee at that point).
For example, to sell your shares at the best market price, you should avoid moving a large number of shares into the market at one time, which will cause the stock price to decline.
Generally speaking, many lending institutions allow you to borrow between 50% to 90% of your eligible investments, depending upon the collateral and type of credit you have.
The interest rate charged is extremely competitive compared to other lending alternatives given the easily understood value of the collateral.
In addition, if your shares don't trade frequently or the shares were issued by a private company, get advice about liquidating your portfolio from one or more brokers.
Before you liquidate your stock, consider the tax implications of doing so.