I know you want to rush right over there or call her, but DON'T; this is exactly what she expects you to do. "Oh, good old reliable, S, he'll come running as soon as I need him." Trust me, I want to call W everyday or night; we used to talk everyday before she left. And I know I would be devastated if she were not overjoyed to hear from me.
You are setting yourself up to be disappointed. Think about what Michele asks, why might she not be calling? Any number of reasons, which you have no idea what they are.
Keep the money. She knows her financial situation and likely she did that to reduce her guilt over something and if you return it, it will not work in your favor.
