As for questioning if she has a personality disorder in your title, I’d say it’s safe to diagnose that she is just a nervy user.

One good thing I find about people is they do drop the good facade that hooked you initially, and their true colors will show.

Relationships run however the two parties act and accept.

Good for you for not co-signing the loan. See, that amount of money got your concern up enough that you refused.

I’m pretty confident that if you had married her, you would now be responsible for all her debt that she had, even before you met.

I sense that you do see the relationship is over, and you want it to be over, and you are getting over it and will move on.

Not everybody is just a user and abuser. There are good, honest, loving people who will care about their mates as they care for themselves. Let them show you who they are over time and EXIT when you need to.

I wonder what is her major of study...psychology? Hmmmmm