I, too, waited a long time before losing my virginity, I was twenty
seven. OK how about this, picture in your mind, this man who loves you so much, picture things slowly becoming more and more intimate, maybe a shower together, maybe undressing, then thinking, what is the worst that can happen? What do you feel like you would lose if you lost your virginity, it could be, in your mind, your innocence, your control, your sanity, your security, figure out what in your mind might hold you back..share this with your boyfriend, then ask him if you felt vulnerable after a certain degree of intimacy would he hold you close and let you know how loved you are? You sound very aware of your feelings, and this will help you.