well if you have doubts then you atre not ready
i first had sex at 25 and that was becausew my ex was not ready, we were together for 3 years but i guess we were not the right person for each other. i am now 35 and very happy about what happened or did not happen
wait until you are sure that the man you loose your virginity is the one you wanr to remember as that special one.

dont rush it

eddie