if prices of english test matters much i would suggest u to do toeic in hopkins as ielts is more costy. like what u said 5k for the test and 3k for the review materials, unlike ielts 8.6k for the test with four components to do plus another couple of grand if she will wish to enrol in a review centre but she can use online study to cut down the cost. even so, ielts is dearer still.
i am an ielts passer but i recommend to do english test in hopkins, by then she will miss writing that toeic havent.
when it comes to transport from where ur gf lives and hopkins, i am afraid to say that she needs to travel to do her practise or exam everyday unless she can find somewhere to stay that is nearer hopkins at the moment. Anyway, vfs and hopkins if im not mistaken is in the same city so its more convenient for her to lodge her app when ready.
she hasnt got any choice at the moment but to travel if she wants to pass her english test.
best of luck and wishing both of you the best.![]()