There is no difference in meaning. However, the second sentence would be more usual as "She's got a lot on her plate right now". We usually contract "has got" to " 's got", unless we need to emphasise it for some reason.
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Happy Halloween
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Hola, ¿ Te gustaría aprender español ?
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..
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Just different ways of saying the same thing ;)
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Mary
Language Skills
English, German, Italian, Persian (Farsi), Spanish