if your afraid to have sex, then you shouldnt have sex until you know for sure your ready. nothing should be forced!
i would try to tell you to aim towards marriage. if that doesnt happen, i would hope it will be with someone that you believe will be someone that you feel is "the one".
your going to change boyfriends like you change underwear. that's why i dont suggest you have sex so young.
being an adult we are afraid of our children getting into a sexual relationship and dealing with break up which can be an unbearable feeling most adults cant sometimes handle.
why be afraid of orgams, that is God's gift to us in the act of sex.