a few guesses
First I just want to tell you that you are probably the most patient man on Earth! I can think of a few possible reasons that she won't have sex with you:
Maybe she IS waiting for marriage - ask her if that's the case
Is she nervous that you won't enjoy it? It sounds like she has a bad self-image problem and that could be killing her confidence.
Is she afraid of getting pregnant? That is a big one for chicks... we are scared to death of having a kid we didn't plan on. Ask her if she is on or would consider birth control and promise her you will use condoms to do your part.
This one is touchy... is this a family or religious issue? In some religions, sex before marrige is strictly forbidden and members feel they will be punished if they ignore the rule.
Communications is very important. Has she ever been um... attacked by any man in the past? I don't want to be rude, but if she has been a victim in some way, she may have very bad feelings about the act with you.
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