I think a hot load in the 30-30 I'd probably the easy answer.
OTH a 12 gauge with 3 inch Brenneke Black Magic slugs will be better ... http://www.brennekeusa.com/cms/blackmagic.html
and you can use a short barreled pump shottie with a recoil absorbing stock like the Knoxx.
Or pick a soft shooting auto loader like the Mossberg 930 SPX.
I guarantee that if your gal had to fire off a couple of shots at a charging bear, she would not feel the recoil one little bit, until the adreanaline subsided, the shakes ended and she started thinking clearly again.
Spokane WA USA