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If the program is loan forgiveness, then you should take option #1. You borrowed the money and you owe it. You should pay it back.
If the program is contracted benefit to attract a qualified employee, then go modified option 2 with payoff cash in an account ready to go. Debilitating injury/illness in year 4 would really stink. If this is from a locality watch out for severence right before they have to pay out.
I am big fan of free market. If they need that incentive to attract good people then go for it. If that is part of her compensation package, then she deserves every penny.
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