I do regret my first time. We weren't in love with each other and I felt dirty and used.

I highly recommend waiting till you are older. When you have sex it should be with someone who is "in love" with you and respects you. As mentioned in other replies...by waiting you avoid pregnancy, STDs, emotional trauma....list is endless!

There are other ways to show each other that you love each other and be intimate. You don't need to have sexual intercourse to prove to a guy that you love him...etc. And if a guy rejects you because you will not have sex with him or have oral sex......then this is a MAJOR sign that he is not worth your time or energy! Just pick yourself up and move on!

And just because "all your friends" are having sex doesn't mean you have to join the club. Do what feels right for you! And make sure you are on birth control and you (or the guy) are tested for STDs. Not every STD has a cure, although there are treatments for some STDs, it isnt worth the risk just to say you had sex.

I also recommend researching STDs so you know what they look like and the symptoms. This might put things into prespective for you before you have casual sex.