I think what she's trying to say is that she loves him, and knows she'll marry him someday, but for right now, she realizes she's too young, and still needs to "sow her oats" so to speak. At least she realizes she's too young to settle down yet, but at the same time, she knows this guy is good for her. I do get it, Cherry, and this kind of thing just needs time... lots of it. If you are still fortunate to be his friend by the time the both of you are ready for a commitment, then maybe it'll happen. Unfortunately one of you may move away, find someone else, etc. Its just a chance you have to take. But I think it's mature of you to realize your situation isn't ripe quite yet for anything long-term.