The Awakening - Nora Roberts - Bog

Breen Kelly hates her job and has massive student loan debt and lately she has noticed a silver-haired man following her. While house sitting for her mother, she finds records of a multimillion dollar inheritance in her name. When she flies to Ireland to claim what is rightfully hers, she enters a magical land of faeries, elves, and mermaids. In this new land, she will embrace powers she never knew she had.