Dell Password Issue

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I purchased a Dell for my daughter 6 months ago. She forgot her password and has locked herself out. I tried to reset by moving the pins on the motherboard to no avail. As soon as the system boots, Windows XP askes her to login with a user ID and password that we no longer know. She does not have any disks that came with the system. Is there a way that she can use her PC now? I called Dell and after 3 days of runaround, they told me that for a price of $99, they could reset her password. I think NOT!
 
actually, there are a bunch of threads on the password for Dells, but the $99.00 they ask for may be byfar the easiest way for her to have a computer unless u want to build one and that is going to cost more than $99.00.
 
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