Gunny
It's probably both. This is good for you. Don't know your financial sitch but it looks like you have nothing to lose from keeping her on your plan for a few months, and could probably afford to give her some money to get herself set up.

She sounds like she wants some independence but is not willing to destroy herself to get it. Something to consider if she returns. If she ever asks why you are being so nice just tell her it's because you'll never stop loving her, and want the best for her with or without you.

The more amicably things go the easier it will be for her to allow herself to come back. An aggressive and messy D will just place obstacles to reconciliation. Don't be a doormat but be loving and in a way supportive.

"I wish you wouldn't do this, but if you must I love you too much to just throw you to the wolves."