transcripts being held hostage

[clep3705]

I met a middle aged woman who wants to get a degree. She attended an expensive, private university in the past. Because she owes them a lot of money that she does not and will not realistically have, they will not release her transcript. Her plan is to take a lot of CLEP and DSST and apply to the Big Three. That's without mentioning the private university at all. She says it is worth the risk. Is there any way for her to find out what the National Student Clearinghouse has on file?

I pointed out the risks, but she feels like she has no choice. If she gets found out, she really won't be really any worse off.