Is it bad that a 11 year old, 5 ft and 6 in, be 195 lbs, if so how can lose weight? And goal is 100 lbs if not 120 the maximum. (a girl)

195 lbs is too big. For anybody 5' 6", being 195 lbs is much too big. The solution is to stop eating more food (calories) than is needed to live. That usually means eating small amounts at set meal times and set snack times, avoiding sugars and simple starches, and avoiding sugary drinks like sodas or juices. One can aim for dropping 1 pound a week, for 1 year... Getting to 150 lbs, and then deciding what to do next.