Ok, a caveat: I am not Polish but have dated Polish women and have a good number of Polish friends. I'm also curious about the questions you've expressed and wonder if I've gotten the right read on the Polish folks I know, so...
1. She can complain alot / can be negative. - Common or no?
Yes. I've also heard that Polish women have the tendency to nag but that may just be my male Polish friends complaining. =) Seems to be a national pastime of sorts.
2. Talks about family, but says how bad things are, not loving, mean, but then calls mom and sends money home on a regular basis to help out?
Yes. The family is a lot more important to the average Polish person than the average American...even if they cannot stand them. This often leads to #1, complaining.
3. Wants to leave the country, but committed to renting a room and helping a friend. She is very unhappy with situation, but doesnt want to leave for a EU nation. Says she promised a friend to stay. Loyalty a strong traight?
Hmmm. Loyalty is important but I've always felt it's been used more as a convenient excuse, covering up other motivations. The last (Polish) woman I dated also wanted to leave the country but admitted that she found it easier to live and work in the US (Chicago).
4. Sending money home to supposedly help for food and clothes -Sounds fishy -Common or no?
Very common. Family is really important and if the folks back home were well to do, there would have been less impetus to go overseas.
5. Common in the culture for money NOT to be the most important? She said she would sign a prenuptual and give up all rights if she married someone. Said she would only marry for love. Common or no?
Yes and No. Money is not the most important thing but, especially in the US, there seemed to be an element of "keeping up with the Joneses" so, in some ways, money is important. Also, I think most Polish women do not like being beholden to another (always seeming to want to split the check, etc.) so a prenup would be ok with them...although if the relationship goes wrong they may not be so "generous"
I have not met a Polish woman who wanted to get married just to get a green card.
6. Educated with a masters degree in EU law. I hear college is limited for the few in Poland. Is this true?
No. Education is very important in Poland. High paying jobs seem to be limited for the few in Poland.