Girlfriend (20yrs) has a baby craze and wants one with me (19yrs) she's "ready" I am no where near. What should I do?

Anonymous
Me and my girld friend have been dating for a year and a few months now. We tend to have a lot of sex and can't go more than a few weeks without. We met and still attend the same university. i spend my time mostly at her house and see her parents a lot. My parents dont like the idea of a seriouse relationship at least not yet. Well one day an accident happened where the only thing we could do was wait and find out if we where to become parents. We both panicked and thought things out about how would we still work and attend school and so on. She thought things out in her head and said she was ready. She is more mature and has had to pull her own weight a little more than I have. She is as smart as a whistle in some things but naive in others. She is the book smart one while im the street smart i guess i would say (im no fool either in books but hey im a slow learner). She had her outcome and then I had mine. Im immature and just not ready for something like that. Im more realistic than her and I just want whats best for my hers and our families future. so when the shock past and we found out we werent going to be parents. She would always talk about wanting one now. When we would have sex we wouldn't really use protection ( its bad i know). Every now and then she would ask me to just not pull out. And one time she even got mad that i did. But later apologized and explained herself (because she wanted a baby). I love her but She just keeps doing this and I dont know what I should do. I want whats best and realistically thats focusing on our school and selfs right now. She thinks she is ready and has thought"everything" out but I tell her its not that simple but she then says im just scared and i am still imature. Like i said i love her but I dont want to be stuck in an average life with an average future. Our parents and we have worked hard to be where we are at right now. I want her to realize that and see what I can do.
Girlfriend (20yrs) has a baby craze and wants one with me (19yrs) she's "ready" I am no where near. What should I do?
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