Sarah Ferguson is crumbling under a wave of remorse that’s got her eyeing an exit from Britain, insiders spill, with the once-bubbly redhead now a shadow of herself — pacing Royal Lodge corridors, whispering the same gut-wrenching phrase that reveals her deepest regret.

Pals say Fergie, 66, can’t shake the guilt for loyally backing ex-husband Prince Andrew through his Epstein nightmare — even as bombshell emails she fired off to the pedophile financier resurface, painting her as complicit in the web that snared them both.

“The whisper everyone’s hearing? ‘I should have walked away sooner,’” a source close to the former Duchess dished to the Mail. “She’s repeating it like a mantra, blaming herself for not seeing the red flags with Jeffrey Epstein. It’s eating her alive.”

Fergie’s world imploded last month when Andrew got booted from his prince title and forced to ditch their 30-room Royal Lodge pad after Virginia Giuffre’s posthumous memoir “Nobody’s Girl” reignited the firestorm. The book, out October 21, didn’t just roast Andrew — it dragged Fergie back into the spotlight with fresh scrutiny over her own Epstein ties.

Then came the killer blow: Leaked 2011 emails where Fergie gushed to Epstein, calling him her “supreme friend” just days after publicly dumping him post-conviction. She apologized profusely for the snub, insiders say, even as Andrew penned his own “we’re in this together” note to the monster.

“Fergie’s more on edge than Andrew,” a Windsor whisperer told the Daily Mail. “She’s holed up surrounded by Amazon boxes, ordering junk to fill the void. Blaming herself for sticking by him all these years.”

The ex-Duchess dropped her title faster than a hot potato after Andrew’s October 17 bombshell, scrubbing “Duchess of York” from socials and Companies House. ITV axed her from Loose Women and This Morning gigs, charities ditched her like yesterday’s news.

Now she’s “lonely and isolated,” pals dish, snubbed by old mates who fear the Epstein stink rubbing off. “Friends have cut ties. Elite circle’s gone cold. She’s got nowhere to turn in the UK,” one said.

Talk’s turning to exile: Switzerland, where they once owned a Verbier chalet sold to fund Andrew’s Giuffre settlement; or Abu Dhabi for a low-key reset. “Fergie may flee abroad. There’s not a lot keeping her here,” a source spilled to the Express.

Daughters Beatrice and Eugenie are pushing Mom to rebrand, but they’re keeping their princess perks — no title strip for blood royals. The girls flew in support, but even they’re urging separation after 30 years post-divorce cohabitation.

Andrew’s headed to a modest Sandringham cottage, privately funded by big bro Charles. Fergie? On her own — no palace handout. She’s making “independent arrangements,” Buckingham insiders confirm.

The Royal Lodge eviction’s delayed till after Christmas — sparing awkward family snaps at Sandringham. But come January, Fergie’s out. She jetted to Austria post-holidays last year; sources say permanent overseas move’s brewing.

Met Police are probing Andrew for allegedly siccing protection officers on Giuffre’s records back in 2011. Biographers float prison odds for the pair. Giuffre’s fam cheered the title yank but wants bars slammed.

Fergie’s Epstein regrets run deep. She took his cash in 2010 to bail debts — called it a “gigantic error.” But those groveling emails? Proof she never fully cut ties.

Insiders fear betrayal: Fergie mulling a tell-all to cash in, twisting the knife on Andrew for survival. Palace banned memoirs — no Spare-style splash.

Charles drew the line: No more excuses. William’s reportedly seething, pushing eviction for years.

Fergie sold her Belgravia pad this year — £3.85M loss. Finances tanking, gigs drying up.

“She’s haunted,” a chum said. “That whisper — ‘I should have walked away’ — it’s her confession. Guilt for defending him, for the emails, for everything.”

Giuffre’s brother Sky Roberts: Joy for survivors, but “he needs to be behind bars.”

As Royal Lodge empties — corgis staying with fam, vans spotted — Fergie’s plotting her vanishing act.

One insider: “This could topple more than Andrew. If she spills on those emails, the Windsors tremble.”

Fergie’s gone quiet on socials — black square, no posts. The whisper echoes louder.

From toe-sucking scandals to Epstein shame, Fergie’s saga hits rock bottom. Alone in UK’s shadow, one phrase torments: Regret she can’t bury.

Fallout’s just starting. Will she flee before the next email drops?