This breaks my heart. Stutter causes anxiety which causes avoidance. The biggest wake up call for me was when I understood how I was using stutter to hide from life. Please talk to her about this and with compassion. This is not living, and she is just building a life of regrets. Then my personal suggestion would be a cycle of speech therapy to get some tools and start using calls to doctors and such as practice. I did that and was a little more confident and cared less about stuttering. And with every success, the anxiety diminished. Best of luck.