Steven,
Please, please, please, don't believe it. While there are some monetary requirements to obtain a travel visa, it is not anything like that. The US embassy in Ghana has an internet dating and fraud warning posted on their website. Please read it and look at the other information regarding visa issuance.
I am an American living in Ghana and am aware that there is a tremendous increase in dating cons and scams that are being attempted upon unsuspecting Americans. I've had at least half a dozen emails from people asking my opinion, and doing what little digging I can do from here, in every case it was resultant fraud.
There is also a special requirement for obtaining a visa for someone getting married to an American, so please look at all of the information at the Embassy website.
Please tread very cautiously and do some serious digging or googling before you send her money.
Good luck,
Barb
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