That is truly awful what has happened to you in the past and now this to contend with.
If you pay it you will enable her to do it all over again. If she owes money and cannot pay they will stop letting her have it on tick. She will manipulate to get it. It’s an expensive pass time and nothing to gain from it.
Be kind to yourself instead. She will only stop when she wants to or runs out of people to bail her out. Sometimes we have to be cruel to be kind.