Hey leo...In my own personal experience, I can't really help. But my best friend of over 15 years was a virgin till he was 22. And he's still with the very first girl he slept with.
The simple fact is, virginity is not embarassing, and you shouldn't allow it to become so. Next time you're down on yourself for not having had sex yet, think of being in your exact shoes right now, with a kid or two....
The time will come for you, as it does for pretty much everyone. Instead of talking to a girl and thinking "what's she gonna think about me being a virgin?" ask yourself "what would I think of this girl if i'd slept with 20 people already?"
a lot of it is psychological, and the more you outcast yourself for being a virgin, the more you will think others are outcasting you. If you find a girl you truly like, and truly likes you back...Virginity won't be a big factor.