I've had two friends that have had girlfriends with a similar problem. One of my friends explained the whole thing to me. He said she actually has a disease that keeps her from having sex. There was a term that he told me and I checked it out right away because it sounded like bullshit to me. It turns out it is actually a mental condition. Most of the time this is caused by some sort of sexual abuse as a child. This girl was molested by her father when she was young also. I had never heard of this before but it really does exist. I do not remember the name of the disease but I will try to find out. My other friend told me that him and his girlfriend don't have sex that often because sometimes he can't "get in". I don't know her real well but I know that she had a rough childhood, her dad was an alcoholic. I would bet that what is happening with your girl is a mental thing. Perhaps since she was brought to think sex was bad she is subconciously telling her to "close up" (or however that works). I don't know much about psychology but I think the suggestions already made about not planning sounds like your best bet. If the problem persists you may want to see a doctor or counselor about it. Good luck man.