Virtual background covers the foreground

My girlfriend is using zoom for some classes she's taking, and we are trying to setup virtual backgrounds. She has a Dell laptop running Windows 10, unfortunately I'm not there to get the exact specs. I also know she updated her zoom today to the newest version. The problem she is having is when she turns on virtual backgrounds it filters her out, and a few other things in the foreground, and leaves the background alone. With how her desk is situated it would be difficult to put up a green screen.