Would you have loaned this person $20.00?

I should have known better, being a police officer, but i loaned a friend of the family $20.00. it happened so fast and in front of my friends, that i acted before i thought. there were no conditions, concerning the loan. i just assumed she would pay me back the next night and that would be it. its two days later and still no $20.00 dollars returned to me. its not the money, its the principle of the situation. this family friend did ask me, “are you sure you do not want your $20.00 dollars back?”.i stated to her, “think about what you have just asked me” and i walked away. i never said to her that i did not want my money back. i expected to be paid back, just like i loaned her the money. is she attempting to use reverse psychology on me? if so, its not working. i am way ahead of her game. now, i have to make a decision. i can either call her bluff and confront her head-on and ask for my $20.00 dollars or i can give it a few more days to see what her next move will be. Question: should i confront her head-on now and point blank ask for my $20.00 back or should i give her a few more days to see if she really intends on paying back the money i loaned her?