Is a size 14 girl considered fat??!?!Watch
Still, if people think she looks bad and she wants to look good, you won't be doing her any favours by saying she's lovely how she is etc.
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To be honest its difficult to say. I have a friend who I thought was slimmer than me but because of her bone structure actually wears a size larger than I do. I know someone who is a 12 who is quite big (she's not really short) but a girl who is a similar height, totally different build and neither slim nor fat but somewhere in between and wears a 14. In my case, I think I'd be fat if I wore a size 14. But that's not necessarily the case for everyone
Also if she's regularly getting size 14s from H&M then she's probably not big at all and girls with curvier boobs and bums need larger sizes so their shirts don't look indecent!
Around average size these days.