Well, just look over at your co-worker and say, "Geeze, your life is a real bummer." That oughtta either end the bitching or open yer co-worker up to say what is really buggin' her, other than the usual list of issues...

And also, it doesn't hurt to just ask her out fir a drink and confront her with, "Hey, seems that there's some things that aren't working for you..." and see what happens while being prepared to say "Yeah, I'be heard those complaints but I sense that there's more to it...."

People love to talk about themselves and I'm sure this co-worker has some other conflicts that are gettting mixed up with her work situation.

Good luck,

Bpbert