Search Results: maturity with age

Me: nerdy, skinny guy, 20yo, med school, funny enough you'll like me but not interesting enough you'll miss me much. Mostly an average joe beyond that.
Her: smoking hot 23yo, med school, pretty outgoing, finds me funny, loves when I tease her, usually is over-the-top happy to see me in particular.

We met each other because of a common friend back in April. She always laughed at my jokes and she looked to me with that kind of positive expectation, a sort of wonder in her eyes.

We kept going with our lives. But everytime we meet she shows pretty much the same interest as the day we met and overall she's a really good person.

But there are underlying problems:

1-She used to date one of my pals roughly a year and a half ago. They went out for like, 4 dates or so, but they didn't commit, and Im not clear why. He's much more interesting than me in almost every way, and while they'd barely have to see each other and he's a pretty trustworthy "bros-before-hoes" guy, I worry that she might hit it off with him again.

2-I dont have a car. College is expensive as fuck. I can't afford it right now. I worry that she might lose interest altogether since A) society still expects men to drive their dates and B) I won't be able to spend as much money as I'd like with her. My friend she used to date doesn't have any of those problems, never did.

3-Maturity. Women at this age usually have a mentality that most men only reach years after them. I feel like if I make a move she might react badly because she might think of me as a "kid" of sorts.

4-More people than I wanted to already know Im into her (always mind who's on the hallway behind you), and they might ruin it.

It's pretty clear why it might not work, or where I might fuck it up along the way. This is seriously a girl I wanna hit it off with, and while I won't feel bad if things dont go as well as I want them to, I will feel bad if I end up not even making out with her, which to me is total failure.

What do you think?

Im talking about financially, educationally, career wise, maturity and age wise?