Get married, but put a proposal to the girl that 'You guys wont have babies untill you are 30". I am saying this - cuz by this time (i.e. around 7 yrs of marriage), both of you would be in better position to decide further about your future. Explain honestly to her - that you guys should be in stable position - financially and emotionally - before starting family; and it takes around seven - eight years, considering your current age and education level.

FYI, divorce results cuz of -
1. money matter (financial problems)
2. unfaithful activities of either partner.

If none of the above two issues arise in the course of next 7 years after getting married, then you guys are ready to have babies and start 'real' family. Hopefully you will also start loving her seriously ;) .. Otherwise, both of you will do what would be the best for each other..