By reading only this passage, we can figuere out that she is talking to herself. She reviews her problems and concerns in her mind, she is making a reflection, that we, as the readers can visualize to know what's happening. The term "soliloquy" matches with this passage, it means: "A speech in a play that the character speaks to himself or herself or to the people watching rather than to the other characters."
There are not any hints that makes us think that she is speaking to someone else as she refers only to herself.
