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Personally, I would only suggest paying her half if you really want to take over the lease. And if you do pay her half, get a lender's agreement, make sure what she already owes you is in it, add the new amount, have her sign it, (I would make it contingent on your taking over the lease... then there is no "moving issue" to deal with... She'll have to move and sign over the lease) and have it notarized (or your equivalent if you're not in the States, I didn't notice). Anyway, that makes it a legal document and if you do find you have to take her to court, your ass is covered legally.... they'll be able to garnish her wages if necessary to recover the money owed you. (I figure if you have to take her to court, that's the end of the friendly lending anyway... garnishing her wages wouldn't be the nail in that coffin by then.)
Good luck... I don't work in your field now, but I did and I know how hard it can be to make ends meet if you have a hard night or two in a row.
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“When facism comes to America it will be wrapped in the flag and carrying a cross.”
~Sinclair Lewis
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