Your friend is entitled to a full refund up until 45 days before her cruise.
Full refund is available for most sailings 75 days before sailing, not 45 days as stated in the quoted post. At 74 days before sailing the cancellation policy takes effect and money will be lost. Below you will find the cancellation policy copied directly from DCL's website:
Cruise Cancellation Fees:
CATEGORIES WITH RESTRICTIONS: Reservations for Inside, Outside or Verandah Categories with Restrictions are NON_REFUNDABLE and NON_TRANSFERABLE. A 100% cruise cancellation fee applies from time of payment.
Cruises Less Than 10 days where Embark or Debark is U.S. Port
Days prior to Vacation Commencement Date Fee Amount
45 days or more Deposit per Guest for Suites/Concierge staterooms and all staterooms on Disney Fantasy March 31, 2012 sailing
74-45 days Deposit per Guest for Non-Suites/Concierge rooms, except all staterooms on Disney Fantasy March 31, 2012 sailing
44-30 days 50% of vacation price per Guest
29 to 15 days 75% of vacation price per Guest
14 days or less 100% of vacation price per Guest
Cruises of 10 days or More and Cruises Less Than 10 days where Embark and Debark is non-U.S. Port
Days prior to Vacation Commencement Date Fee Amount
45 days or more Deposit per Guest for Suites/Concierge staterooms
89-45 days Deposit per Guest for Non-Suites/Concierge rooms
44-30 days 50% of vacation price per Guest
29-15 days 75% of vacation price per Guest
14 days or less 100% of vacation price per Guest
For reservations made prior to January 19, 2011, the cancellation fees assessed will be based on the cancellation fees listed on the original confirmation unless the sailing date or vacation package is modified.
http://disneycruise.disney.go.com/terms-and-conditions/