She probably has terrible self-esteem. I'd have to know the circumstances, but usually when a girl says something self-depreciating, I agree and crack a joke, then she feigns offense and I say something nice, then wrap it up with something shitty. Kind of like a sarcasm sandwich.
Example:
"My hair looks terrible today."
"It's okay, your hair looks terrible everyday."
"Excuse me?"
"Don't worry, it draws attention to how lovely your lips are. But seriously, I have scissors if you want to cut it."
Chuckle chuckle. It helps to diffuse without looking weak.
Obviously if she's upset about something, it's not a good time. Otherwise sarcasm or a "you look fine, come on let's..."
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