<p>She sounds terribly selfish and manipulative. SHE could transfer to be closer to you. If SHE thinks you only love her if you move to Kentucky with her, then SHE must not really love you if she doesn’t want you to go where YOU want you to go. It sounds like she just wants you around to make her life easier and happier, and doesn’t really care what YOU want for your life. </p>
<p>It sounds like you’ve been with this girl for quite a few years, so is this your first long term relationship? It may be time to take a break and see what it is like with someone else, or by yourself for a while, to see what you really want for your life. What is the point of going into a large amount of debt and moving to Kentucky if you already know it won’t make you happy? And what if you break up after moving? That is a HUGE sacrifice that she doesn’t seem to even care about when it comes to how you feel and what you want. Seems like she’s being smart and looking at what she wants (grad school in Kentucky), and it’s time that you do the same.</p>
<p>It will be very hard, but you will thank yourself later when you have fewer loans, live in a place you love, and find someone who wants the same things you do.</p>