This happened to me a couple months ago. I've been seeing this girl for 7 weeks and everything has been almost perfect, until recently, a couple things have begun to go wrong, all because of my fault. We haven't been physical in the past 3 days, yet we've seen each other numerous times. She has rejected every physical advance I have made, even just light making out. When she noticed that I failed to hide how upset I was at her rejection, she asked me to explain what was wrong, and when I did, she explained that she was just merely stressed out because of final exams. I accepted this and said, "You know what, you're right, I was stupid and wrong. Let's put it behind us" because I could tell she was getting upset by the conversation and so I didn't want to push it anymore, but I'm still not convinced. Why would she not want to be physically intimate because of the stress of exams? When I get stressed out by anything, it only increases my desire to be physically intimate as a relief from the stress. I don't understand why she's being like this. But she's probably right, and I don't know why I'm making a big deal out of nothing.