Just my .02, if sex hasn't happened after a year and a half at 18...time to pack your shit and move on. However if you want to stick it out..
Find out why she shows no interest:
Big into religion?
Sexual Abuse?
Self confidence?
Previous bad experiences?
Not into sex?
Answer these questions, and you'll find out why she doesn't want to get down to business. Also, in rereading what you wrote, she "is not comfortable with the thought of sex? That's a few scary words. Looks to me like she has issues, and you're in for a long road. No easy answer here, find out why she feels this way, and go with it.
Good luck man, sounds like you'll need it.
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