Holy #$*@!...how many people she cooked for!?...lol
If she's worth it, which it appears she is...step up and be mature about it...let her stack her money and get caught up with debt...she will appreciate you for that...after that year passes you guys will be more serious about each other and perhaps your relationship has matured even more...worry about a family then, right now you are way ahea of yourself bro, you are freaking out and the last thing you want is for her to know this...that will be It for your relationship....keep your cool, be patient and reap the benefits in a year or so...it will be so worth it, I think successful long distance relationships are the most rewarding type, simply because of all the obstacles you must overcome to make it work.