You do not have the authority to charge her, and the decision whether she is charged or not does not lie with you. From what you describe you have valid reason to believe that a crime was committed, and you would certainly be acting properly if you were to report this matter to the police. If you do so the police will conduct whatever investigation they consider appropriate and, if they (not you) believe that there is criminal conduct they will refer the matter to the State's Attorney. The State's Attorney is the one who decides whether to bring a charge and, if so, what charge ishould be filed.
It is your call . . . for now. Once you tell the police about the matter it becomes their call, not yours anymore. If you are having a hard time making a decision it might be helpful to consult an attorney for advice., as well as talking this over with your parents.
Your feeling of responsibility in this situation speaks well for you.