There is no "we" regarding anything to do with you in her settlement.
If she cannot even manage free $500 monthly payments and had even gone into debt after receiving $6,000.00 free money per year, then no judge is going to release additional funds to a girl who cannot manage money in the first place. Those structured payments were done to HELP her afford a lifestyle, not live above her own earning means and that of a $6,000.00 free yearly income.
Money is not the answer to people who cannot handle money properly. Unless and until she learns how to manage her money, more money will not set her free.
Those structured settlements are set up that way for a reason, to HELP your girlfriend, not to be a co-dependent in her poor financial planning matters. I do not think a judge will even consider changing a binding settlement contract.
The reason why the verbiage is the way it is written in the settlement is so that your girlfriend cannot possibly get a hold of any more than $500. at a time, monthly. You say she wants the money for school.......well, she HAS the money for school, every month she has $500 toward school.
Work, pay off debts and stop spending more than is earned. Welcome to the real world.
Save your lawyer dollars, no judge is going to reverse the settlement. Also, another reason why she cannot wager her settlement payments is because they are only doled out $500. per month so she gets $500 per month. Loan people who lend you money are going to do so with a very high interest rate and the judge knows that. It is his job to PROTECT the settlement so she GETS the full $500. per month, as written in the settlement contract, which is a legal document and cannot be changed.
She needs to learn how to handle her finances and STOP living above her means. My God, if I received $6,000.00 a year, I would save at least half of it for a good down payment on a house one of these days.