Refund without policy

by Daniel
(Virginia)

Nine month ago I had a verbal agreement with a client of no refund policy. Now after nine month she had an injury no related to my training sessions and she is asking for full refund. While she was having this injury, she didn't train and she was canceling the sessions with a 24 hours notice. After a month she informed me not to hold the sessions anymore, since she had to stop training. Now she is asking full refund. What are my options.
Thanks
Daniel