I am so sorry that you are feeling so sad and down

And I am sorry that this person just disappeared on ya

I hope that everything is ok with her - but like you said, maybe she truly just doesn't have the money to help, and feels too embarrassed to come out and actually say it since she already offered it to you?
Whatever the reason is, I really am so sorry and do hope that the two of you talk again very soon

Big hugs sweetie