Find out what she charges first. Then don't forget all the money you will have invested in supplies, labor, and if you purchase the fabric on line and have to have it shipped. When you decide on a design that she likes (as she will have to have a plan for your training) (time on cardio, weights, eating plan etc.) you have to work on the pattern and size. Since you're not really friends, she is in the "BUSINESS OF PERSONAL TRAINING" and "BUSINESS IS BUSINESS". I saw the other day where a queen size quilt was priced at $400.00 on one of the websites. Call some of the LQS and ask what they charge. Tell them your situation. Also depends on the size of the quilt. I know a gal who charges $200.00 for a twin, $300=full=400=queen and up. it also depends on how many different colors of material you're going to use. Going to do a whole cloth, scrappy, 2 designs or more. Then you have batting and backing and sashing(?). DO NOT SELL YOURSELF SHORT!