<human>: Could you distill the essence of the text into 1-3 sentences?

This isn't a relationship dealbreaker or a serious post as much as it's just an annoying situation where I'm not sure what I can do about it. 

We're LDR, we've been together for almost two years now. For our first few visits, I paid because I was excited to see her, and the combined cost of those visits was just over a thousand dollars (hotel, flight, food, etc). Eventually she asked her parents if I could stay with her to cut back on hotel costs and they said yes. For the visits following those ones, I still paid because I figured I was staying at her house, she was feeding me, and I assumed she'd be paying when she came to stay at my house. 

The visit after that, I told her it was getting expensive and I'd prefer if she paid half (came out to around $300, which she talked down to $200, this was several months ago and I haven't seen a dime of it). After that, I didn't go see her for months because I didn't have enough money, and I told her if she wanted to spend time with me she'd have to come see me instead. She used the megabus and it still ended up being around $250, which she had me pay for. 

Now we're talking about doing another visit for our anniversary and she wants me to come up, which means I'll be paying for my own plane tickets, but she also wants me to bring her on a road trip, which means I'll probably be paying for this as well. I straight up don't have enough money in my account to do what she's proposing. I've asked her about this and she gets defensive because she doesn't have a job and she's really self-conscious about that, and she says it's my fault we're not physically together (I'm a university student and can't easily just move my whole life) so it makes sense for me to be the one to pay for these visits. 

Outside this issue we really don't have any problems, and this only happens once every four months or so, but it's incredibly annoying to me.
<bot>: What do you think I should do? How should I phrase this to her in a way that she doesn't get defensive?