Oh my God, please never ever talk to this kind of people. You live in a very poor state so you will see a lot of poor people like that. You do not even need to argue with her. It is better not to talk. That is your problem. How come you never learn after living in US for so long. In US, never lend or borrow money to or from anyone. It is not a matter of how much they make. Anything has a bottom line. You do not have a bottom line so at the end you will be the one everyone hates. Going forward, if something like this happen, just say sorry I have no money.