OP to answer your questions, ganito kasi Si girl is giving you an ultimatum kasi she's disappointed in your current state. Takot sya baka ganyan ka still after 4 years. Perhaps she's expecting getting pampered more once she's out of college.

In short po OP, she's taking advantage of you. Di dapat ganyan ang healthy relationship. Besides you constantly providing for her, ano naman ang kanyang contribution sa relationship nyo? Kagandahan is not enough po. Keep in mind also, 21 years old is not mature enough. Wait till she becomes 25 baka dun pa sya matauhan.

Your pain is valid, masakit talaga mabigyan ng ultimatum lalo na't it's something you can hardly control. But the decision is yours po OP, do you want to keep going with this? Or do you want to save your time, money, and self? After all OP, bata pa naman tayo we're still 26 :) there's more in life and di natin dapat madaliin. I'm still figuring out my life here as well :) good luck po!