(((silenthill)))
It sounds like the boundaries are blurred in your relationship with your T. This is not healthy for either of you. It is truly not ethical for a T to borrow money from a client.
I know you care so much for her,but for your own sake I think it would be best to move on to another T.
Would it be possible for you to discuss this with T? Can you ask her to continue paying you the money you loaned (even if you use a different T)?
If your relationship is as close as you say, then maybe she will surprise you and recommend another T who can help you.
You never know until you try!
Best of luck....I hope you can find the courage. I'll be rooting for you!!!