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Pay the rent - if not to her, then into an account that earns respectable interest. That way if she ever comes asking for the money (perhaps it's an accounting oversight that she doesn't notice as she doesn't NEED the money) you'll have it. After all, you must have made some sort of verbal agreement, right? I'm assuming you're not intending to jerk her over for being generous (or lax). Worst case scenario, you'll pay the money that you owe. Best case, you'll move out with a down payment for a house. Seems like a no lose to me.
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Cogito ergo spud -- I think, therefore I yam
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