Is it toe nail fungus or nail psoriasis?

Ive had thick crumbly stuff under my nail for a while now. And i noticed it on my one of my gf toes too. I looked it up and learned it was either toenail fungus or nail psoriasis. But she swears its hereditary and that her toe nail has always been like that even though ive never noticed. So i guess my question is, in some cases is it something hereditary or maybe not a fungus or psoriasis? Cause i think its one of the two for sure

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