I don't believe non-black people should say the N word. If they want to reclaim it and turn it into something positive then good on them. You'll find black people who love using it, and black people who hate the word and think no one should use it.
It's not as black and white ( ) as, once you are less than 25% black you can't say it. If someone who isn't clearly black says it then I'll ask them why they believe they can say the word and go from there.
In the example in the op I'd ask the girl if she knows what that word means and it's historical use and see what she says. If she doesn't understand the history of the word then it's an education opportunity, if she does and continues to use it then thats on her.
So you can't actually (conclusively) differentiate who is 'black' and who isn't and can't therefore offer any consistent position as to who does and doesn't get word privelleges in this case. Pretty much as expected.
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