please help!

for the last few months i have experienced absolutely no sex drive where before i had a very healthy if not overly healthy sex drive.

i also have pain during sex. uncomfortable cramping. things weren't always like this. what could it be from?

i have been sort of spacing out during sex. trying to imagine myself somewhere else. just waiting for it to be over. i've noticed that i no longer want to touch anyone or have anyone touch me. i feel that this is completely mental and have no idea why i'm feeling this way. when my lover touches my legs, even gently, i tell him that it hurts. sometimes i wonder if it doesn't even hurt at all and i just think that it does because he touches me so gently and before when he would do this it never hurt. i know that this sounds insane, but has anyone else ever experienced this before?

this year has been a very hard and traumatic year and the years before this one weren't very easy either so i assume that stress is partially to blame, but would stress cause the pain?

my husband is wonderful. i love him to death. he is a kind, caring, attractive, and loving man. there is no one on this planet that i would choose before him... so i feel that the problem is in no way him - it's me.

i just don't know what to do and have no idea how to fix this.

thank you for any suggestions, opinions, and advice...