Lots of quilters "quilt by check." $170 to $200 is probably about average for a queen size quilt. It can be a lot more expensive than that.
It's not that hard to put the layers together and quilt it yourself. It does take some time and practice to learn to quilt and it takes some space to get the layers basted. I recommend she go to youtube and search for Sharon Schamber's quilt videos. She has a method for basting that works for any size quilt. Quilting on a regular machine with a small throat can be a challenge but it can be done. It's a lot easier to do on one of the longer throat machines. (throat is the space between the needle and the right side of the machine)