My first time wasn't with a loving bf, he was a total stranger, it was in the bushes and he was 10yrs older than me. I didn't let on it was my first time so he wasn't taking care to be gentle or take it slowly; From what you've just read it probably sounds like i'm about to tell you a horror story, but i'm not. I felt no pain it was a very pleasurable expireance I don't have a single regret about loosing my virginity, but I knew I was ready to take the step. I had no worries about what it would be like, I think I was excited like a kid in the run up to xmas b4 my first time. Where as friends who did it because it was the next step in they're relationship or because they didn't want to go off to college as a virgin did have worries and do look back with regrets and stories of it being painful. If your really ready it should be an amazing event in your life, one that you'll think back about and smile, if your not quite in the right head space it my not be so gr8. Have fun oh and top tip if you do feel like you have rug burn, dry and painful after sex where your partner was wearing a condom, try switching to latex free condoms !