If my daughter turns her car over to her bank does she make up the difference what bank gets from selling it?

The loan is a commitment, independent of whether the borrower has a job.

Usually, it is a bad idea to turn in the car, since they will add repo, storage, and auction fees, even for a voluntary repo. Sometimes, the auction barely gets enough to cover the fees, and the full balance is still owed.

Alternative is to find somebody to take over payments and take the car-- probably a family member willing to help is best choice.