Some context

We have been together for 2 years and our relationship in the bedroom has fallen apart, we no longer have it and she shows no interest of trying. I owe her some money for rent as I wasn’t working for a bit due to my company going bankrupt so she covered rent but I don’t wanna end things till we’re squared away. My problem is I really do love her but truth is we’re just not compatible and we’re doing more harm to one another being together but she loves me so much and doesn’t want to end it. Idk what I should do or even go about it. I know she’s going to be heart broken and so will I but truth is I’m 20 and not ready to settle yet. We’re too far gone at this point