In laymen's term internal conflict deals with an internal struggle that a character or person is feeling within themselves.
External conflict deals with an outward struggle that the character or person is experiencing. This struggle deals with a character or person having an issue with a someone or something else...aka an outside force is causing the person or character to feel a certain way.
With the situation you have described above, I think internal conflict would be the best answer because the conflict is occurring within her. She is having to decide what to do which means she is experiencing a metal struggle.