Oh, adam, I'm so, so, so sorry to hear this. You were definitely trying so hard to be open with her, to feel connected to her, to work on your relationship with her... and then... this. Especially after all the drama with her student loans.
I agree, I think it is time to move on, get some space between the two of you, and focus on yourself. Keep improving yourself like you have been doing. Even though everything seems so bleak right now, you will get through this.
I'm very sorry if anything I said has been too harsh or offensive. I realize you can only communicate so much as you're both willing, and clearly, she hasn't been willing for a long time...
Please keep up updated. We're all rooting for you