Been through the marriage thing. Went through the divorce thing. Just coming around financially. Maybe I'm not the best teacher, but I think the thread's subject is appropriate:
Girls or guns. Personally, I'm not looking for a "girl" any longer, I'm looking for a "woman". They generally don't become women until after 35 around these parts.
I just don't play games any longer. If I was in this situation, I'd say, "well, I'm not gonna wait up while you do 'Whitman's Sampler' with your life. See ya around." No hard feelings, but if that's what makes her happy, I'm not going to stop her.
EDIT: I have to add, though, I admire your lady-friend's take-charge attitude with her life. My ex-wife hated working, hated studying. About the old things she did like were sitting around watching TV, and going to the mall. I pushed her to get an associate's degree, and ended up doing most of her homework.

Give her space. Don't obsess, it'll just rub her the wrong way during a stressful time in her life.