She did you a favor to help you out, why wouldn't you pay her back once you are able to? I pay my dad back when he helps me out. I mean it would be nice if we didn't have to pay it back, but times are tough for a lot of people, and they may not be able to afford to pay their bills and ours too. So even if you have to pay her back a little at a time, it's the right thing to do. Plus if you need help in the future, she'll know that you are responsible enough to pay her back, and be more willing to help you out again.