My gf won’t touch me

My (20F) girlfriend (21F) has never been with another person. She was in a relationship a few years ago for a few months, but they never did anything other than kiss. We’ve been seeing each other for a few months now, but I’ve been the only one to do anything. I took it super slow in the beginning, but since then we’ve pretty much done everything. She’s initiated the kissing/ beginning of intimacy multiple times so I know that she’s into it, but in the end I’m always the one that’s giving.

I know that the obvious answer would be to talk to her about it and if there seriously isn’t any movement in the next few weeks then I will talk to her. I think my hesitance stems from the fact that she hasn’t ever been with someone and I don’t want to feel like I’m “forcing” her to do something if she’s not ready. Like “I’m upset because you’re not doing me” is what plays in my head when I think about bringing it up and makes me feel like an asshole😭. Don’t get me wrong I’m still having a lot of fun, but I just would have more fun if the efforts were reciprocated yk? any suggestions?

TL;DR- my girlfriend has never been with someone romantically. We’ve been intimate multiple times, but she’s never touched me.