Boy, I am a little late here, but add me to that list of people that say "Who the blazes cares WHAT she thinks!!". People like that need a life a whole lot more than you or I do (I have 13 cats, not only 6, and people would say I don't get out much, but hey....I'm not comdemning other people's ways of life, either). If I were you, I'd pay her back as fast as humanly possible and dump that relationship all together.
You've got US !!!!