How to easliy and painlessly Tell my gf i need a break and just wanna be friends right now?

Ok i recently hooked up with this girl 6months ago , I love her im just not in love with her if that makes sense , and im still in school going thru a ruff patch with money and car and all that stuff well im A 20yr old college student and shes 22 and she dose have a kid NOT mines which i love to death as if she was mines , However i dont wanna have to settle down this fast , i wanna live my life out loud and party i understand im 20 and need to be mature but the i was thinking like growing up 26-28 id cut the party and the wildness , I love flirting with girls its a passion , I love going to clubs with my friends and see who can get the most numbers call it childish i call it life , And Real Talk , Well ive been with her i have flirted with other chicks and i feel horrible cause she saids she loves me and all that were together for ever and we meant to be , I just wanna be friends maybe later down the road there can be something but not now , So How can i just tell her all this but remain friends if possible and i will be there for her and her daughter , Thanks