Ok, a hypothesis
1) The AE-1 counts back when you rewind, according to the manual. This probably means that the film counter is attached to the rewind spool, not the advance crank.
2) If the film in the canister is loose, the advance crank will advance film, but the canister won't rotate because there's no tension
3) This means that you won't get to frame 0 until you've taken up all the tension
4) Carol took her dummy shots with the lens cap on
Which leads to: an indeterminate number of blank shots at the beginning of the roll, and running out of film way before 24/36 exposures, which is why the manual says to ensure that you rewind until there's tension.
I think this fits all the facts.