If one or the other of you doesn't want kids right now, I think it will mess up your relationship to have them now but, theoretically, "love" means wanting to make the other person happy so each of you holding onto your individual "must haves" doesn't look too good for even being married/together much less bringing in children to the mix.

I didn't get a sense of any "plan" for children and how they might fit into your lives in a year or so. Talking about having children is not the same as having them; have you all looked into how easy/hard it might be for you to get pregnant, have some sort of overall picture of what would go down; where you'd live, how the money would work, who'd care for the children, etc.?

It sounds to me like you are anxious at the "thought" of children so haven't gone any further in imagining time, space, money, activity, life-style and what it would mean if there was a child in your life. It hasn't happened yet and may not/never happen so you should be able to "explore" the idea as if it could happen without being so upset. Do some pro/con listings and use real scenarios? Where will you be in a year? A baby doesn't show up tomorrow/next week! When you're "establishing your career" you won't also be in school anymore at the same time; an infant isn't going to necessarily get in the way of your early career. Too, how are you going to have children with your lady if her biological clock does fail her; if she's 10 years older she has a legitimate worry. I don't see anything in your scenario that ever really addresses having children with her, it's "one day when we're established" without a realistic time line or any sense of you wanting children with your lady, ever (like she presumably wants with you which is why she is bringing it up). You have to face whether you want children, period. It is not her "problem" based on her age; she wants children, with you, no matter what. How about you? You can't script life so exactly, lay it out like you appear to have your education/career; no way you can tell what the future will bring. I say "seize the moment."