I think it just lost a bolt and I failed to notice for far too long.
I'm going to take it to the Co-op tomorrow night and get this looked into. See if I can't just toss on a new bolt and be back and running. I hope I haven't damaged my cranks because I certainly wont be able to afford to replace them for a little while, and not being able to ride once school is over would destroy me. Would riding without a Crank arm bolt for a bit destroy the spindle?

As for the woman, she was older then me by at least a decade, not that that has stopped be in the past. But not really my steez in terms of cougars and the convo really was too odd to care. She knew me from school it seems.