I will give you an honest advice as a brother. If you love her,say it to her now.Believe me,you will regret it for the rest of your life if you dont say it now and lose her.But make sure you love her and its not just an attraction,because that would be unfair to her.If you haven't yet talked to her,Iam 80% sure its just attraction.Personally,I think love is all bull crap.There are 2 emotions;care and ****** desire which people mix up and classify as love.If a woman finds a more financially stable man than you,then no matter how much she "loves" you,she will go off with him and get married without thinking about you.I used to be like you sometime back,but after getting a taste of life,I prefer to stay away from girls and "love".Learn from me.