It can be a very difficult thing to have such a monumental issue as a roadblock to intimacy. But I applaud your sensitivity and caring. No matter how the solution presents itself your warm attention to your girlfriend can only help.
But I am afraid I am going to disappoint you at some level, because while I would not encourage you to get married as a solution, I would have to say that ongoing therapy is where the real promise is for change. There are blogs about tocophobia (fear of pregnancy) as well as information about a possible differential label genophobia, fear of sex, but it appears you have both done your homework on the symptoms. The real struggle is working through the issue, and (here comes the disappointing part) therapy is the clear option.
But money might not be the barrier you believe it is. As she is in college the university should be well equipped to cope with her needs. The counseling divisions of most universities have very experienced therapists used to dealing with issues of sex and intimacy. Additionally, The National Organization for Women has chapters in nearly every county in every state and you can access your area by simply putting in your zip code. If she contacts them (and she should rather than you) they can direct her to the closest women’s center. Both colleges and women’s centers have support groups and therapists offering therapy for little or no fee.
But the big-ticket item here is your support: It is priceless.
Wishing you patience and peace,