If you both are accepting to do the premarriage counselling, that's a good thing.
What's possible is that you both aren't believing that the other actually "gets" the other's perspective.
I have one idea so that emotions won't interfere at this point....Get a new scribbler for "sharing".
You can start it, and then give it to her afterward to take the time to
respond and put forth her perspective, her fears, her understanding of options, etc. No interruptions...just thoughts put down.
Has she talked with her parents, what do they say, etc.
This will take time. What I find/have experienced is that couples miss the opportunity to voice options so that the other doesn't feel smothered or controlled. It's the way of today to want everything NOW....waiting is difficult.
Very different than the days of "old". When we bought our home, while the price was good...interest rates started climbing and reached 24%. Just imagining things could be paid off was unimaginable.
Hang tough....don't throw up your hands.
Does she have her own car? Can you make sure her car is safe for winter driving..such as winter tires, etc? You don't necessarily know one's fears until they're allowed to be expressed. One doesn't know ones's fears until another invites them to be listened to and understood.
q