Actually it is a very common thing, a lot of people are afraid of sex for the first time, you're definitely not alone!

My advice is don't rush, don't rush sex, don't rush marraige, don't rush life, wait until you're settled, wait til you're comfortable with your own life. Unless you guys really believe in doing so, then.. that's how it's going to be which is not a problem :P I know it's your religion/faith, but who are you really doing this for? You said you wanted to get married so soon before you get a carreer beofre you get a house, that you'd rather be poor, are you doing this for your parents? Worried about 'the accusation' / what other people think? Because I have the same issue, I wanted the status of "Married" so quick, but so little is changed, we're still together, we're still faithful, but that's just me. But I had the same fear, because my ex wanted it; we rarely got to see each other, it felt rushed.

http://www.wikihow.com/Overcome-a-Fear-of-Sex