Yes, I agree. Go and get a good degree first and then you start
on a better pay scale, and better prospects. If you sign on the
dotted line now, it is really up to SAF to release you for your
studies (non-scholarship). Scholarships are a different thing
altogether.
Why ask to enlist on NS terms for a low allowance, when you can get
a salary for doing the same thing ? If she is interested only in
serving for 2 years, then don't waste time. Go train and climb
Everest, you get a better sense of achievement, even if you do not
make it to the top. Because she (female) will also not make it to
the top of SAF in her lifetime.