Warm welcome to the forums. I can see you're having it hard with your long distance relationship. It becomes very tricky when maintaining a long distance relationship, especially with the whole Covid situation, and having no idea on when will the borders open up for international travelling.
Despite the Covid lockdown and the limitations of what you can do within a long distance relationship, you've done well in trying to maintain and keep it going. It's really strong of you to be working 2 jobs to earn enough money to sponsor for her Visa. However, please remember to take care of yourself and your own needs first. 10k is a substantial amount of money. I'm afraid that if you do commit the 10k to her, but the outcome is not what you desire, you may feel cheated and that all your effort will only result with resentment and anger.
Out of curiosity, as much as she wants to be with you, and that she really wants to come 'here', has she ever spoken about contributing to the cost of the visa to get her to you?