Dont no what to do stay or let go......?

I mean I do love my gf to bits and more, but like we see eachother like twice aweek if tht and usually only for a coupe hrs more due to wrk patterns and and distance we live apart, I mean like I dnt drive can't afford to and to much debt, but its just dragging me dwn and has been for the last year or 2, I mean I wanna stay with her, but am just fed up with things like I no she's not ready to live with me and cos of my debt problem she won't too, for a long while, I mean like we have got some things planned like a holiday and looking after her little bro for a couple weeks when we'll be together as a proper couple for a couple weeks, I just dnt no wht to do bout it???? I wanna see more of her but neither of us can change how far apart we live and our wrk patterns??? So what can I do.... I feel soo low with out her round more often :(