Seems to me like she has really low libido or something. I would go see a sex therapist if I was her.
She's probably really inexperienced and scared.
Losing your virginity especially for females is very frightening you have all sorts of questions in your head,
I agree with all these. Which means: she's not ready and you are never going to get any. So get another girlfriend. She's won't even give you a tuggie to help you out? Now you know she is rude and selfish. Nice catch, guy.
I'm sure she's nice. But you two have different goals. Nip the frustration in the bud and find a new gf.
I have a long time interest in psychology, specializing in relationship dynamics for 30 years.
(Please note, we give the best advice we can based on the information given in a post. For better advice, please include the age of all romantic partners.)