My vote is wait for marriage until after you both finish grad school.

If she is really the one for you, if she is an awesome person (and I'm sure she is), definitely don't let her slip away, you may regret it later.

However, there is no need to rush into a lifelong commitment with someone while you are still getting your education.

How do you feel about going to the same grad school together and sharing a living space during that time? That may alleviate some of your emotional and financial concerns.

As far as your stork fears - that's why God invented contraception - it's a beautiful thing!

:lol

As far as this quote:

"Having a person you loves help you get through school stress"

I hope you are still studying English!

:lol

Bottom line - keep on contemplating your options and possibilities, and then do what you think is best for you and her. May you find that truth deep within.

Good luck !!