I agree with Anthony (again). My dad the shrink always said that the adults he's seen with the most relationship/sex probs are the ones who either denied their sexuality 9as in feeling guilty about it and repressing it), or those who engaged in what he calls 'precocious sex', as in before the heart catches up to the penis. He also says that those who look at sex (and girls) as merely sex objects as teens tend to continue to view them that way as adults, their perceptions and experiences tend to remain underdeveloped.
Losing one's virginity isn't a challenge or competition. It's about finding the right one to share that experience with, regardless of your age. Remember, dogs do it indiscriminately on the street, getting sex isn't really such a big deal. Finding the right one is the challenge.