How do I 21M manage feeling unwanted and unloved from a lack of sex in my relationship with 22F?

My gf 22F and I 21M are both in our early 20s. Our sex life has never been the most “active,” but it’s gotten worse ever since she started her job in public accounting. I know this industry is not only stressful but very tiring, so I can understand that. We have sex (penetration) about once a month or once every two months right after her period ends. Even though we use protection and pull out, she doesn’t fully feel comfortable doing it at any other time besides immediately after her period ends. I never want to force her into anything, but I’m not sure how to reassure her about this.

Even then, that isn’t my biggest issue. We still have oral sex every now and then, maybe once a week or once every two weeks on average and we see each other about 2-4 times a week for a little bit after work. I think I might be hypersexual because on 90% of those days, I’m craving her, but we rarely get intimate. Maybe I’m overthinking it a little but she hardly seems enthusiastic about it and it seems like a chore when we have any type of sex. She always feels bad for rejecting me, and I feel like I’ve lost hope. The reasons she gives sometimes don’t fully make sense to me. Like she is deathly afraid of her family finding out she has a partner and feels like if she stays out too late after work, they might be suspicious. She’s even brought up how her dad tells her uncle she gets home late from work… I just don’t get why that is an issue. Also, she is mostly always tired and while I understand and have been there, I feel like more than once a week isn’t unreasonable to ask for.

I’ll see posts or comments of people talking about how they get intimate once or even multiple times a day, and honestly I feel jealous and unwanted. Most of the time she rejects me because she doesn’t feel like it or is tired, and I understand that but sometimes I just wish I was desired the same way I desire her. I’ve started to feel unwanted, unloved, and insecure about my body. And if I bring it up, she says she feels like I only love her for her body, so I don’t know how to bring it up anymore. I genuinely do love this girl, I want to make things work with her and I care about her deeply.