If you got her over a year ago, I would think she has come around just about as much as she is going to, but you can always keep trying. However if you mistyped and actually have only had her for about 3 months, you might be able to remedy the situation some. When you try to hold and play with her how long are the sessions? I read somewhere that a rat can only maintain a fear response to you (while in close proximity) for about 15 minutes, so sessions have to be longer than 20 minutes, ideally at least 30 minutes. going into a bathroom and sitting on the floor with her, or even in the tub with her, maybe even closing off part of the room if it is a large bathroom will force her into close proximity and may help her to not see you as a threat. Rats especially girls are very curious and will explore you in this situation given enough time. Giving her treats or handfeeding favorite foods (the way to a rat's heart is through its tummy) can also help. As with all animals each rat has its own personality and some will dote on you and want to be with you all the time or as much as possible, some will be able to take you or leave you, some would prefer you just leave that food and go. All we can do is give them as much attention, patience and love as we can and recognize and accept their own personality and preferences when they are clear to us.