Well looking at the clutch would be a good place to start. I'd look for anything obvious, check the oil (see if it has enough at least) and adjust the clutch before doing anything too drastic. After that look for metal, maybe a fucked bearing...at least that's what I'd do.
**Edit, and I wouldn't ride it until I'd done all that... My money's on the bearing.***
Starter motor still engaged?
If battery is low the starter may not disengage this might be the clicking in the starter before she starts too?