#3 She’s waiting for the right person.
It could be you, but not at the moment. Some women need more time to decide whether they are ready to give up their body to you. It’s possible they could be waiting for someone they’re certain that they’re in love with.
#4 She’s saving herself for marriage. Don’t laugh at the idea just because a huge percentage of women have given up on the concept altogether. A lot of girls are still sticking to the traditional path of saving themselves for their husband. If you really want her, then respect her decision and wait and see if you’ll end up together in the future.