<human>: Can you give me the gist of the text in a nutshell?

Okay, /r/relationships, help me out here. I'll try to keep this as concise as possible. 

We've been dating for ~1 1/2 months. We were absolutely head over heels for each other, he dropped the L-word at two weeks. I wasn't sure quite yet but I reciprocated because it was the first time I've felt that way about anyone. 

Things have gone really serious *really* fast, he's asked me to move in with him when he gets back from basic training *in May*, after he'll be gone for four months. I definitely can see myself settling down with him. But I've *just started college*, that kind of commitment scares the hell out of me. 

We hardly see each other between work, college (we go to separate colleges), our vehicles get horrid mileage and we live 25 miles from each other (which may not seem like much, but I'm barely scraping through as a broke college student and it's costing me ~$15 to drive to his place and back. 

I really, really like him but I'm scared to death of the commitment this relationship is involving. And to be honest, I really want to date multiple people before I settle down. I'm scared that when I'm 40 I'll look back to when I was in college and how much I'd regret missing out on things because I thought I'd be with this guy forever. I want to date people and have light, uncommitted fun, which I've recently had a taste of. 

He's a kind, genuine, good person. I really don't want to hurt him. But I feel like if I don't stop this now, it'll end in either hurting him later, or me growing to resent him, and I don't want that. 

/r/relationships, I intend to break things off. I'm planning to have lunch with him tomorrow. Can you give me an idea of how to do it with tact, and as painlessly as possible?
<bot>: I need to break things off with my boyfriend who loves me, but I *really* don't want to hurt him. I don't want to be a bitch. Can you please help?