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Hmmmm... Tough one. honestly, It could also be that something (or a serious of somethings) have come up that prevented her from being able to pay you back like she planned, and she's just too embarrassed about the situation to talk to you about it right now. If you guys were close(ish) friends, it could actually make the situation worse if you are on the borrowee side since you know you could've put the friendship at stake because of the situation.
In general... I've gotten to the point with lending money that I just write off anything I lend without any expectations to ever see it again. been burned too many times when I did expect to be paid back.
Advice wise..... well... It's hard for me to really judge this friend's character or your relationship. Only you can do that. If it's someone who you consider a good friend instead of just a 10yr acquaintance (which I'm guessing it's a friend since you lent the money to begin with), It might be worth texting or contacting and just letting them know that if the situation has changed that is either preventing or delaying their ability to pay you back, You understand and am willing to let it slide for now... but that you are a bit concerned about her in general since it's not like her to act this way or avoid you. And after that.... just giving her some space for awhile. If it's a situation where something's come up that's prevented her good faith efforts to pay you back, it might be enough to help ease the guilt and stress enough that she might confide in you about what's going on.
From my own personal experience, I know that sometimes crap happens... and sometimes it's a snowball effect that can cause things to get worse for a bit before they start to get back to "normal". In those situations, I have sometimes in the past borrowed a bit of money (more like $20-100) to get me thru the first unexpected hurdle with all intention of paying it back at a time in the near future, only to then have 2 or 3 other things hit me unexpectedly which despite my best intentions make the timely repayment of that money I borrowed impossible. when that's happened, I've found myself in situations where when I do finally start to recover having to make another hard decision..... pay back the money I'm already late in paying back ASAP, even if it puts me in a tight spot that may make it hard to easily absorb another bump.... or wait a little longer to pay back that money since i'm already late paying it back in order to build up a better cushion so I'm less likely to be thrown for as much of a loop next time something unexpected happens.
Ok... I know I rambled a bit... but hopefully this might help you figure out how t proceed.