I think she is the one who is terrified. You are probably frightening her with your behavior and apprehension around her. I actually admire the way she is working so hard to get through her studies. I feel for her. Since you do love the house, maybe you can let her know without confronting her in a way that she might take as aggressive? Leave a note or something, thank her and say you want to make it a safe, peaceful home for both of you because you really love it there? I don't know...just something positive?