Ita actually worse than that. She isnt asking someone to give her $10,000, shes asking for help to get her a $10,000 loan
Sounds like a minor difference, but it's not.
If you personally loan her $10K, your only loss is the $10K if/when she doesn't pay it back.
Helping her get the loan, since she has bad credit, means that you'll probably be co-signing the loan with her. She will have a high interest rate since she has bad credit*. What this one means is that you're now on the hook as someone who agrees to pay the loan if she doesn't, you'll be stuck with the $10K and interest (quick google search says apr can commonly be up to 35.99%, ouch), and your personal credit is now on the line.