Low Sex Drive

Ladies, I need help. Lately I have not had even the slightly desire to have sex with my husband. I'm never in the mood and this is weird for me because we've always been like horny teenagers unable to keep our hands off each other. Never going more than a few days without being together sexually.

We're a young couple, in our 20s and I'm not on any medication, and nothing has recently has come up to make me stressed or anything like that.

To make matters worse, when I sleep I dream of very erotic fantasies and yet as soon as I wake up whatever desire I had while I was asleep is gone. I can tell that my husband is sexually frustrated but every time he goes to touch me I find myself uses cliche excuses like I'm too tired or I have a headache.

I don't know what to do or what could be the problem. Any advice?