ive been in a smiliar situation as you, girl had a BF, she was at college BF was not, while i was not tutoring her, we did hang out alot as we hit it off pretty well, and we hung out a lot, one night we were hanging out and it got kinda physicial as you put it, and i made a move and she stopped me from kissing her, and she just gave me a big hug, she explained all teh bf bs, i think i knew she had a BF then, but i didnt care, anyway 2 weeks later she broke up with her BF and we then dated for almost 4 years
you dont know untill you try
so go try dammit