It sounds like she probably has DSL. Verizon initially offered 5/2, but that was many years ago. Easiest way to tell is to look at the router. If it has a phone line connected to it then it's DSL. If ethernet or coax then it's FiOS. What is the model number on the router?
Verizon doesn't charge to bring the fiber to the house. That sounds like the Cable company. If you house has a long driveway they have to run a bigger cable and charge to do the work.