Girlfriend wants me to get a vasectomy

My girlfriend of 10 months and I both don't want kids. We are 19(me) and 20(her). She wants me to get a vasectomy so we never have to worry about it. The doctors in tom typically don't do vasectomies on someone as young as me, especially if I don't have kids. But she said her friend does vasectomies on anyone as long as they are 18. The thing is even though I don't want kids. I guess I like having the option in case I change my mind. And reversals here are nearly 8 grand and I don't have that type of money. Then her friend told me when my girlfriend wasn't around that 80% of the people she gives vasectomies to before the age of 24 come back to get it reversed or ask her if there's anyway they can get it done for free since insurance doesn't cover it. She even said "I feel like I don't have the right to tell someone what to do with their body, but I would never recommend a 19 year old get a vasectomy". Idk what to do.

Edit: Her friend is very professional. She just tends to hang out with older people. Her friend is almost in her 40's. I'm actually the youngest person my gf has dated.

Edit: I never asked her to get on birth control. I usually just use a latex free(I'm allergic) condom. She just wants something more protective.