Wrong application made

Hi everyone. We’re in a mad panic. My wife made her indefinite leave to remain application last year but it appears she chose the wrong options and chose a Private Life Settlement. I don’t know what to do. We could maybe get the money for another application but we don’t know if we can because we’re outside the time frame of her family visa.
Is there anything we can do that means we don’t pay for a new application? My wife is bipolar and is on the verge of a mental break right now.