Okay, time for the questions....
How old is your girlfriend? If she's fairly young, then it might just be fear on her part that's keeping her from having sex. On the other hand, if she's 22 or 23, then you've got a whole different issue - she's doing this on principle!
Have you two discussed sex before? As quite a few have commented: if you don't talk about it, don't expect it to improve. It's only fair for you to tell her how you feel on this subject - but it might be relationship suicide to tell her about making out with the hot neighbor.
If you've discussed it, then why is she waiting? Granted, there are many reasons to wait - some religious, some personal - and she has a right to feel any way she wants to about the subject....just as you have that right, too. If she can't put her finger on why she's waiting, then help her talk it out so that you both will know why.
Is there anything she is willing to do? While intercourse may be off the table here, is she up for helping you orally or otherwise? Try discussing that, if need be.
And if she's a cold fish to any and all attempts to discuss it, go with "Plan B".....find a new girlfriend. Not wanting to have sex is one thing, but being totally closed-off about even talking about it would be too much!
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