Loss of sex drive?

My fiance and I have been together since 2012, and until about a year or two ago, had a normal sex life. Did it any chance we could. But about 2 years ago, idk what happened. Mentally, I want sex. I want that connection, the feeling, the fun. But physically, I'm just never in the mood. Or, when I am, he's at work, and by the time he's home, I'm not anymore. I try to masturbate and just can't get in to it. We have sex once or twice a month. He brings it up sometimes, and always shows me he's in the mood, but accepts it when I'm not. It doesn't make him mad, but it obviously (and understandably) hurts and frustrates him a little. I don't know why I lost interest in sex. It's definitely not for lack of attraction or love or trust or enjoyment during sex or anything like that. And I'm only 21 (almost 22). I just don't understand and I really just want our sex life to be normal again. For him, and for me. I want to be a normal young adult and love sex. I'm not sure what exactly I'm asking or looking for here. I guess to see if it's normal? Or if someone else has experienced it, or tips on what to do about it?