It is ok to be a virgin at 21. Virginity is not something to lose as fast as possible, I suspect if that was the case for you, you would have no problem finding willing volunteers. The bigger issue is what are you ready for and are you in a committed relationship. I learned the hard way that sex for the sake of sex was a terrible idea. Likewise your sexual desires tend to develop and grow in your 20's. What seemed like brutal and animal in my 20's and only a device to commandeer love, I have found that now that I am older and married to a man I love, intercourse is almost a sacred experience, something I crave, certainly enjoy, and treasure.