To enter into a relationship of any kind is purely a matter of personal choice. We don’t have any comments to offer on that. Yes, you can have sexual intercourse with her at this age. There are no problems with any of the issues that you have mentioned. However, do think seriously about the repercussions such a relationship might bring for you. Please don't forget - there is a good 25 years age difference between you and her. Still, as we said earlier, the choice is entirely yours.