Question

whom might you describe as penniless?
someone who has no way of paying off her debts
someone who is trying to expand her business

Explanation:

"Penniless" means having no money. The first option describes someone unable to pay debts, which aligns with having no funds. The second option refers to business expansion, which typically requires money, so it does not fit.

Answer:

someone who has no way of paying off her debts