Why does she want to wait?
Is your girlfriend still a virgin?
If so, she may just not be ready to have a physical relationship with another person. She may be afraid of getting pregnant or catching an STD...
Does she want to wait until she's married to have sex?
If this is the case, then you should respect her wishes.
You also, didn't mention how long you've been together...
The important thing here is to talk to her and ask why she doesn't want to have sex. Tell her that you are ready and really want to have sex with her. Don't nag or complain, just tell her that you're genuinely interested in understanding why.
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