You could be absolutely right Colleen. Maybe I am too scary or my teaching style too intimidating, or it could be her ego about not being a beginner. I think another aspect that I haven't touched upon is that if you disliked testing, and did that much of it in an art that was as structured as hers was, it may be that rank is just unimportant to her now. So, there is not much of a drive to test. She is in an environment where she is not fored to test.
From talking to her karate instructor, he said he had the same problems, but the organization she was in required testing, whereas I encourage it.
(Albeit, I am a scary guy