If it were my child they would pay all fees, and redo courses as needed. This is behavior that indicates she is not really prepared to operate a vehicle on the roads other people travel. She needs to be taking it more seriously and the only way to show you that she is, is effort on her part to regain the privilege. That isn't about punishment, that is simply a reality check for her and a gift. It is far better she learn now about the seriousness of what she has done through relatively painless monetary penalties and classes versus living with the fact she has harmed other people or herself.
As an adult who takes road safety very seriously, I can tell you what caused me to do so in case it will help. Probably first and foremost I have a cousin killed by someone speeding and running a stop sign. She was only 15 and one of the kindest people you could possibly imagine in life. She was doing nothing at all, just a passenger riding home after a fun day and someone else took her life instantly. She didn't stand a chance. That of course had a huge impact. I was 12. Equally
Equally important though was an odd book I read for some odd reason. I may have simply been bored. It is called "Sin, Sex, and Self-ControlSin, Sex, and Self-Control" By Normal Vincent Peale by Norman Vincent Peale. It's not all about sex like it sounds, far from it. It is about impulses, why we have them and whether we will allow those to make choices for us or if we will decide to do responsible things because they are good for us whether or not we will pay a price if we don't. It literally talks about speeding in there and talks about the idea of following the speed limits, knowing they are set based on public safety, road conditions, etc, whether or not we even believe we would be caught for speeding, because it is what is responsible and safe versus what is being forced on us by some laws. I am not wording this portion well, but the book really did make me think, a lot about how my actions could impact others who have no choice in the matter and it forever changed the way I viewed driving.