Her Senate seat is up for reelection in 2012. Normally, she should be building a war chest for that campaign right now, even though she's unlikely to face any substantial opposition.
So she'll have to write off her $13 million personal loan, raise $35 million to retire the rest of her 2008 campaign debt, raise money for her 2012 Senate campaign, and raise enough money to run for president again.
I'm not sure it's feasible for her to do that.
I read the article in Atlantic about her campaign. She wasted her money with a long series of bad, ill advised decisions and even worse, non-decisions. She then unloaded big-time on staff when she ran out.
She had to use her own money just to save face towards the end.
It was easy to see how Washington types burn through cash. They learn how in campaigns and figure they can always go back to well.