[ten years gone]

To sum it up

-I'm 21, she's 19.
-We're 4 months in, we can make out, heavy petting, her tops off, etc. But I can't get my hand down her pants or vice versa. She says stop, I do and I leave it alone.
-The furthest we got was within the first month, and we've been stuck there since. The past 3 weeks we've made out like twice.
-I've brought it up a few times before and she just says she's not comfortable, or she'll say maybe next time if she's in the mood. I leave it alone for awhile but we've reached this point a few times.
-She's not a virgin and says she has had a few partners, but also says she hasn't had sex in 2 years.
-Aside from a hurting sex life, everything seems to be good...we seemed to connect real well from the beginning.

I don't know if she's self conscious about something, or what. She's said so many different reasons for us getting stuck. "Not in the mood", "Not comfortable with it yet", "Been hurt in the past", "I make all my boyfriends wait", "I haven't shaved down there", "I'm on my period", etc. I can relate to this but at the same time the relationship is going otherwise great. She knows I'm a great guy. I try to communicate that I'm just trying to keep moving things forwards.

When I was younger, my troubles with women was my in ability to pull the trigger. Now it's the opposite. I know, traditionally, I'm in the position of being the bad guy here for pressuring her...but now that I'm in these shoes I feel like she's trapped me. I'm a decent guy in his sexual prime that can't have sex or get any kind of release with his girlfriend, and I can't seek it elsewhere either. Thoughts?