Basically, I want to know what the best GPU upgrade would be without having to upgrade the PSU. She will not be overclocking the gpu at all and will also set the cpu back to stock if need be. We were looking at a 560ti that has the minimum requirements at 500w, but I don't know that it will be enough. Defenitely don't want the psu running at full load all the time.
Even with the slight CPU over-clock, you have two 18A 12V rails with a total of 432W available on the 12V. You'll be fine.
Now is that the stock 560ti or am I able to go for any factory overclocked one? I guess it answers my own question, since oveclocking it myself has no difference in power consumption to a factory overclocked card..