At My Ropes End

stand firm and let your no be no. I have seen too much court TV, so talk to her about why you think it's not right for lovers or those planning to marry to live together. if she really wish for a long term, not living together before the marriage shouldn't be a problem. she may not understand your reason of saying no, tell her religion or your culture says no to such. it's you who need to explain things well. let her know you love her and that you care about her that's why you are also saying no.

if she is having apartment problem, see if you can do anything about it, like helping her look for a cheaper/affordable place. ask her if she is having apartment problem,

I wonder why a lady would want to live with someone she isn't married to.