i wanna tell her that its over now i

trust your instincts. if you think she's bad for you, she probably is

The mental health thing... thats me with all my bf's.. im not emotionally stable.

Just tell her.

Many years ago I had to do just that. After several counciling session I saw I had to break off the engagement for my own mental health.

Her reaction was to claim pregnancy. I was ready to pay if by some long shot it was true, but her rooom mate told me it was a story made to get me back.

I have been happily married to the right woman for over 25yrs, The girl I broke from also happily married. It is worth the anguish of breaking it off.