love is hard???

well i am 16 years old and i am in love with some one... and they are 21...
so like i am sitting here confused as EVER... she tells me that she loves me and wants to be with me, but at the same time we have to hide it from everyone... she dont want it to get out right now.. and i understand that... i dont want anyone to know right now... but at the same time i do.. so that i really can be with her.. so now i am sitting here thinking should i go on with this and see where this goes or what???? like i truly love this person and i want to be with her... but it is like i dont like hiding it... because i just cant go up to her and kiss her when i want, or hold her hand or call her baby, or anything... and i want to do that SO BAD.... so what should i do... can anyone help me???