I've seen people who profile exactly like her. She is a con. She's your best friend and feeds you a sob story when she wants something out of you. But when she's done getting what she wants, she invents "irritants" about you to remove herself from being around you, so she can build up an imaginary case to stay away and not be accountable for paying you back. Believe me, she wants you to think she will never pay you back and wants to be bad company so you will eventually give up the quest. She's not your friend and never was. People who come to you with emotional displays of pity out of the blue are often targeting you for something, because they identify you as someone who will believe their story and feel sorry for them. You're a good person and she took advantage. I'm very sorry this happen to you.