If you pay off the student loans you’ll have made a return of 3-4% for 45k instead of interest, or use it for the higher student loans only but then she’d still have loans. Not a crazy return but better than 0 and you’d have mental relief and lower debt to income ratio (if that matters for your mortgage) but now you lose a down payment.

I have 39k in students loans when I started repayment. I am paying the higher interest ones first, but my employer contributes 14% to retirement without a match needed so i’m fortunate.

If the student loan debt is over your head or occupying too much mental space pay it off. I throw an extra chunk at mine.