<human>: My gf and I have hit a point where we need to talk about our future but I would like some advice before going into the conversation with her. To preface we both would like to get married and have children at some point

Outside of what we agree on, there is no plan. We have been together a 1 - 1/4 years and still live separately despite me asking her to move in, She wants to live at home until she pays off 30k in student debt. 

In my mind since she is 35, paying off her debt will take a year or two. At 37 she moves in and we decide to get married that puts us at 38. She tells me she would like to have a kid after being married a while so I chalked that up to another year 38/39. Essentially we are running out of time for the numbers to be in our favor for a child.

Realistically the longer we wait the chances of pregnancy reduce and the chances of complications increase. She does not see this as an issue and kind of floats along without researching the topic.

In turn she gets stressed about these conversations and never really tells me where she sees us going. 

Should I end the relationship or continue to wait until she is ready to discuss a future with me with respect to our life goals.

Condense the text into a few key points
<bot>: gf does not seem serious about planning a future with respect to what we both want out of our relationship. Do I continue waiting with no direction or end the relationship?