From The Evening Times. (Washington, D.C.) September 16, 1895.
chroniclingamerica.loc.gov/lccn/sn84024441/1895-09-16/ed-...
Here it says that she only had to ride 10,000 miles to fulfill her wager to travel around the world "by bicycle" - and that she had done that by the time she reached Chicago (on her way to Boston). So the article notes she was still considering finishing her trip by train.