There is nothing wrong, I lost my at 21. You have to lose it when you feel ready and when you find someone who respects you and treats you as you deserve. I learned to masturbate with youtube, search videos there. Sex will be better if you explore and know your body. Use your fingers to feel and explore pleasure, follow what you feel. Is not a crime or something wrong having pleasure, is a right. Please allow you to feel it. But first try it alone.