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There are a variety of reasons for fingernails curling under. If the ends of the nails are also enlarging, it may be a result of a lack of oxygen from COPD, asthma, or other respiratory disorder. It can also come from an injury (especially if only one or two nails are involved), from some vitamin and/or mineral deficiencies (especially D3, calcium), and also from inheritance. If her parents had curled nails, hers may be beginning to curl also. She would need to see her doctor for blood tests to determine if there are deficiencies that are causing the problem.