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

The thing of it is she knows it's a bad idea too, but her morals have always been that she would be killing something. 
Now I would be all for the idea except that I've been laid off for 2 months, she only works part time and we live with two other roommates for at least until December. Car has transmission problem, and I'm not even paying all my bills ($40,000) loan payments and car insurance is being paid by mother -_- I know, can't even go back until I pay my last tuition witch is like 2 grand. Anyways she thinks she's killing a person and I keep telling her we would be giving up on our planned kids. Because she was on birth control she thinks it was meant to happen, even though we're fucked, any insight at all??
<bot>: Gf doesn't wanna give up kid because she thinks she's killing it, even though we are the furthest away from being ready.