well there is no magic trick for this my dear.... If he has a constant stress and worry about how rent will be made and always worrying about school and his job his immune system will start to decrease and his body will become unhealthy.
you've been together for 5 years and so you know him well and love him lots... Does he have to go to school full time? Can he cut back some classes and cruise for a semester?
What else do you see about his lifestyle habits such as diet and exercise he can change to keep himself healthy and happy? When does he graduate? Is he really happy with what he is studying or is he doing it cause that is what his parents wanted him to study?
You can still initiate sex cause you can give him a great rub down and make his whole body feel good and show him that your relationship is not just about the physical part but you can also nuture his whole body. If he isn't taking good care of himself and body then maybe he needs to be reminded to take time to nuture himself and his body and to relax and breath. Not to take life so seriously every moment. He may be so focused on his goals that he is ingnoring other parts of himself that need to be nutured. This lack of nuture could be manifesting and harming his sex drive.
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