how to continue further

hi im a guy of 19 yrs ..and recently a girl came into my life who is of 21 yrs old ... and we keep on chatting on phone and i like her very much indeed i love her ...and she also likes me and cares for me tats what she said ...i dont know how to approach her ...and will be the age a barrier ..and totally im confused ...can some one help me out

There is hardly an age barrier...There is more of an insecurity barrier. Just ask her out....I'm sure she is waiting for you to do so.