You're not a terrible person - you're a sensible person, and you were honest with yourself, which is an important and good thing!
If you had ignored your feelings, 'sucked it up' and taken her, how would you have felt if you hadn't been able to handle her? If you had ended up getting angry at her or her getting hurt or whatever because you weren't in the right frame of mind to look after her?
You were being responsible, so don't feel bad :) *huggles*
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