How do I not hurt her?

Okay so, I've been dating this girl for almost a year and we're pretty serious. (VERY serious to her) we're both graduating and going to college in different states but she insists we'll make it work long distance. Another side note to add is she wants to wait for marriage to have sex while I, well lets say I'm not as like minded in that idea.

she's very nervous and anxious about leaving home and all her friends and family so she really dosent want to break up. I think we should break up at least for a while and grow on our own but she is so attached and afraid to lose me that I feel I'll deeply hurt her. I do love her and dont want to hurt her. How do I convince her that we need time apart?
How do I not hurt her?
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