I've heard that a Guru can change your destiny. Does Chapter 10 talk about Sai Baba's power to alter fate or help with life's problems?

Yes, Chapter 10 explicitly addresses the Guru's power over destiny and worldly troubles. It states that by placing faith in the Sadguru's feet, He "strikes a nail over the lines of destiny," which is interpreted as changing one's fate. The chapter further explains that for devoted bhaktas, the Sadguru becomes a boatman who helps them cross the three types of miseries—physical, mental, and divine. Just as one trusts a boatman to cross an ocean, one must trust the Guru to cross the ocean of existence (Bhavasagar).