My 26-year-old girlfriend, who is 22, has nearly lost her sex drive after being together for 2.5 years.

First of all, I apologize for any grammar mistakes; English isn’t my first language. My girlfriend (22F) and I (26M) have been together for 2.5 years, and we share a strong, healthy, and loving relationship. We communicate well, enjoy wonderful date nights, and engage in sweet romantic gestures. However, my girlfriend's sex drive has nearly disappeared, while mine remains as high as it was when we first started dating. We used to have sex many times a week, often multiple times a day, and enjoyed experimenting in the bedroom, but now our intimacy has become quite infrequent. It's been a month since we were last intimate, and it seems to be happening less and less often. We discuss this regularly, and I try to assure her that I don’t want to pressure her. However, I also emphasize that it's important to me and that we should work on it together. Although our overall intimacy is great—kissing, cuddling, and even surprising each other with flowers—all seems to be going well. Regarding "the mental load," which can greatly impact desire: we don’t live together, but when we see each other—usually twice a week—I think we divide tasks fairly evenly. However, there are times when I definitely take on more since she has a busy schedule. She expresses confusion about her lack of sex drive, saying she feels it should be there. We both find each other attractive, and I genuinely believe she sees me as handsome, as she often compliments me and tells me I’m the most handsome man in the world. Sometimes, when we try to be intimate—especially if she takes the initiative—her body just doesn’t seem to respond. When this happens, we stop, cuddle, and turn in for the night. She appears genuinely frustrated that she can’t get in the mood, and I always reassure her that it’s okay, that I love her, and that she's a wonderful girlfriend. She has mentioned that even when she thinks about how handsome I am, there seems to be a disconnect between her thoughts and her body’s reactions. I’ve asked if I should hold back from initiating for a while, but she insists she doesn’t want that and would be sad if I did. We’ve considered that her IUD might be causing the issue, but she has had it for about two years, and we used to have a fulfilling sexual life even after she got it, so we’re uncertain if that’s the cause. Right now, we’re unsure how to proceed. We would love to attend couples therapy to address this but sadly, money is an issue for both of us. I’ve read about how spontaneous desire can fade over time, becoming more responsive, and that some individuals may require spontaneous desire to feel sexual attraction. This resonates with me, as my girlfriend is often spontaneous in many areas of her life. However, I’m not quite sure how to apply this knowledge since we’re already good at planning date nights and being romantic. Do you have any suggestions? Thanks <3