I don't know how to break up with my girlfriend! We've been together for 3 years, and I'm currently out of town for a summer course, pretty far away from where we live. This place I'm staying at is incidentally in the same town as her mother lives in, and my girlfriend is coming over here in just a week to stay with her and visit me. There seems to be only 2 ways of doing this.

A: Break up over the phone before she gets here. This would be the easiest option, but I feel I owe her more after 3 years. I still care for this person, and breaking up over the phone feels disrespectful.

B: Wait until she gets here. Only problem being, that she is expecting me to pick her up at the airport together with her mother, and I obviously don't want her family to be there when I deliver the news.

What to do in a situation like this? Is it, all things considered, OK to end a 3 year relationship over the phone?