Yes, she could have picked the latter option. It was a potential outcome, as was the former. But, she did not. Why didn't she? Because she used her judgement and decided to pick the former.
Her knowledge and memories were the inputs to her judgement, and her decision was the output. Technically speaking, she did not have free will as her knowledge and memories were acquired from prior events. But, to have free will, she couldn't let prior events determine her decision, so she would have to abandon her judgement.
In conclusion, you can keep your free will,
I will choose a path that's clear
I will choose rational judgement.
There was 3 judgements up there. Alice must abandon 2 judgements, no matter the choice made.
Knowledge and memories make Alice realize she has 3 (or more) choices.
She still only has two options: gain an immense sum of money, or spend eternity trying to pay-off that much debt.
You're saying that she has multiple possible motivators. Her motivators define her best interest. If her motivator was to have financial security, her best interest would have her take the money. If she wanted complete free will, her choice could not be determined by prior events, so she would have to either choose randomly, or have someone else choose for her. If her greatest priority in life was to piss me off, then she would perceive choosing the debt to be in her best interest.