Time to set some boundaries, George. Tell her you have heard her issue but are genuinely concerned. Explain that you have places to go in the am. What those places are (work, gym, classes) is not her business and isn't for her to judge, so don't go there.
Now, next part is important:
Ask her what time she thinks is reasonable for people to be able to start to move about and get ready for their day. Ask her if she thinks its reasonable to expect everyone to have the same schedule.
Unless she is nuts, she should start to feel unreasonable. This will make her uncomfortable, but too bad. Now is time to press your point. Ask her to suggest a reasonable solution, given you need to be up and about at a certain time and need to eat breakfast.
This is her issue. Don't let her bitch about her issues to you and not take any responsibility for them. Put the ball back in her court. Make her solve her own problem. She's got to say what she thinks will fix this.
Stay calm, but be firm. Suggest foam earplugs if she is a light sleeper. Any drugstore will carry them. I used to use them as a student when I had housemates. They were great, but we all had different schedules--my nurse friend had to get up at 5am. I felt earplugs was a small price to pay given my program didn't require me to be anywhere until 8:30am.