shes your friend bro. just go along for the ride. she sounds pretty cool just enjoy what you two have together for now. sounds like you do enjoy being around her so might as well make the most of it. but yeah dont be a weeaboo lol.
the other stuff, well you gotta focus on school always. get that over with then worry about the debt later. theres always debt. anyways good seeing you getting over these crushes lol.