At your age, you should be focused on making money and establishing the foundation blocks for the lifestyle you want down the line.
That doesn't mean all work and no play however; it means exploring your own interests/desires, career paths, traveling, etc without anything holding you back/slowing you down. This includes wasting time, not exploring your own interests, turning down career opportunities, turning down better women prospects, abandoning family, etc due to LTRs that aren't going to lead to a kids/family when it's all said and done.
Ultimately, you need to learn what you don't know at this age, what you value in life, and why you value such things. You will only get that from taking some chances. However,
you need to be focusing your valuable time on chances that potentially benefit YOUR life first and foremost.
Let's look at some basic things about your situation:
1. Leaving a close knit family is not something to do lightly and doesn't benefit you at all.
2. A chick who is overly dependent (emotional and/or financial) on her parents to the point where she would abandon you and fly across the country after 4 years together suddenly with no real resistance = a chick that probably isn't that into you. At the very least, staying close to you isn't priority #1; which is more telling than you realize.
3. Long distance relationships in the smartphone era = retarded. This chick will be living at home and therefore, will be looking for a guy with his own place locally to escape.
4. This chick has money/debt issues. Any woman (anyone really) that has significant money management problems is a liability for you; a billion times more so if you live together, have kids, or God forbid, get legally married.
It's very hard when young and in a intense LTR to look at a women with brutal objectivity
but failure to do so could cost you greatly.
The Bottom Lines:
1. Let the LTR die. It's bad news anyway regardless if she is leaving due to the overbearing parental influence and money management problems. You're gonna feel like shit for a bit given this is a young love situation. It's normal. It will pass.
2. Go focus on becoming a better man so that at 32, you have the
option and know how to pull down a quality 20 year old chick with ease. I underlined "option" because a substantial amount of your worth as a man to women as you get older is based on your pass performance and output.
Got a your own place, can afford to travel, buy nice clothes, AND have solid game? You're golden.
Live at home/with roommates, working a dead end job, wearing clothes from 10 years ago, and your game is blah? You're fucked.
Even WITH solid game, you will hit a ceiling in what you can attract AND maintain if you don't have your shit together. Your 20's is the time to get that shit together.
Furthermore, your filtering skills will be A LOT better and it will take far less time to vet chick; for banging and/or family purposes. Your LTRs will probably be a lot stronger too since you will have game (with standards/expectations set from day 1 - very important), money, and life experience.
It's A LOT easier to maintain a healthy LTR when you're established and have your shit together.
3. Women are suppose to follow men; not the other way around. You should always be marching to your own tune and doing what's in your best interest by and large.
4. Women, especially young women under 30, can check out of a relationship and get a new cock in literally about 10 minutes and be in a new LTR in about 30 minutes. They are emotionally driven individuals and don't give two shits about checking out once they are not feeling it anymore or their current LTR is inconvenient for them.
If there is one hard lesson I've learned in life in dealing with women
its that when they have checked out and that burning desire is gone, they give ZERO fucks about you or your well-being.
If this LTR had that burning desire, she be sticking to you like crazy glue.
Making any kind of significant sacrifice for a woman is just generally speaking, simply stupid unless the woman is providing enormous value to your life today (bearing your children, is super rich, has valuable social connections). They will almost never appreciate and/or return the favor at the end of the day.
Always be objective, think about YOUR future down the line, what VALUE any woman brings to you TODAY, and do what's best for your well-being in the end. It's your train and a woman can either enjoy the ride and help fuel the train or get the fuck off. No freeloaders, stowaways, or women who have one foot off the train and on the station platform already looking to get off.
Until you're thinking like this, you're not fit to be in a LTR in the first place.