New Zealand Law
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The division after three years together is 50/50. This is the standard rule and with the facts you describe this is just a typical case. What you can do is to maintain a claim for the money you have put into the property and therefore reduce her claim. You don't say what the arrange,ent was for you paying rental, but it appears that you may have paid more than market rental. So especially because you have kept the house going by paying mortgage and maintenance, this would enable you to make a claim, which would reduce what she gets.
That would get mixed with the relationship property. Gifts used for relationship property do merge with the other property.
It does apply to superannuation, but to contributions and increases in value of the scheme made after they moved in together. But her student loan is her own debt and he doesn't have to contribute to this.