Neither of your options is correct. The construction es difícil que is used to say that something is unlikely to happen, so your original sentence means:
It is unlikely that she will talk.
You can find more information in this article.
As there is an alternative answer, I'll expand here why I think mine is correct instead of in comments.
Es difícil que ella hable porque sus heridas no se lo permiten.
Es difícil que ella hable en la conferencia porque es muy tímida
Es difícil que ella hable por miedo al criminal
All of them just mean:
It is unlikely that she will talk for whatever reason
If the reason that she won't talk is that it is difficult for her to do it, that's just a coincidence that doesn't make es difícil que mean it is difficult.
Why do we use the set phrase es difícil que to express unlikely? The underlying idea is that it is difficult for "the universe" to make that happen. The odds are against it.
If instead you want to express It is difficult for her to talk, you have several options, for instance:
A ella le es difícil hablar.
Para ella es difícil hablar.
Es difícil hablar para ella.
A ella le cuesta hablar.