Hugs. Lots of hugs.

Let me say I can completely sympathize with your struggles, as they almost exactly mirror my own. I also often feel as though I am being torn in two. My desire for sex and my desire to remain a virgin are cause for an incredible amount of internal conflict.
I'm 22 as well, also a virgin. And I can also relate to what you say about losing one's virginity. I also know that if I were to lose my virginity... things would get bad. I've harmed myself for less, after all. That sense of, well, purity, is dear to me and I feel that to hope it would be one of the worst things that could ever happen. My sole difference from what you describe is that I don't want to lose my virginity at all.

Guilt.
It's like having a self-refreshing, in-born guilt machine.

And this guilt is not necessarily bad. Already you have had responses that claim this guilt is a result of cultural pressure and/or an societal control of female sexuality. While these are both perfectly valid and fairly common reasons for an aversion to one's own sexuality to arise, they are not always the cause. To that point, let me say that I am both male, as well as having had the benefit of living with and around very free-minded people my whole life. My point being that it is understandable and indeed OK (this I feel is VERY important) to have thoughts about your sexuality arise just from being... you. No oppressive society or sex-negative upbringing necessary. We have the fortune today of living in a (mostly) sex-positive society. But it's important to remember that among all the championing of sexual freedom, it's still just OK to not want to jump head-first into a sexual lifestyle.
What's important is that you find a healthy and positive way for you to manage your feelings. I simply cannot recommend therapy enough. I wish more than anything that I had started talking to a professional about my issues years and years ago. Specifically, a Sex Therapist can be enormously understanding and incredibly helpful in finding the root of your feelings, and working out what would be best in terms of dealing with those feelings. Due to my feelings of shame about sex, I didn't want to see a Sex Therapist at first, but let me reassure you: it's not weird. This is their field and their specialty.
Short of that, I agree with the recommendations you have already been given. Take a step back from everything, take stock of how you feel and what you want. What's vital is that you don't do anything that you think you might regret. This is something else I can relate to 100%. For all my desire to retain my virginity, I find myself with desires to do very sexual things. Maybe those desires are born from keeping sexuality pent up, who knows? But if you even have the tiniest, teeniest, voice in your head telling you you'll regret doing something, best to steer clear from that, at least for now. Trust me when I say I know how hard that kind of decision-making can be. Hormones can really turn your own personal code of morals on it's head sometimes.

Please, Pleasepleasepleasepleaseplease, don't give up hope. At the very least, take comfort in knowing you are not alone is this struggle. Talk to people you trust and feel comfortable with about your issues if you can. Having an ear to listen helps tremendously. I feel I must once again recommend trying to find a therapist to speak with. I've been seeing one for a few months now, and I cannot speak highly enough as to how helpful it has been!

And always feel free to post your concerns and feeling here as well. I know it may not seem like much, but talking about yor struggles here is a HUGE step in the right direction. I've found this is a wonderful, helpful, and supportive place to share your issues without fear of judgement or reprisal.

I wish you nothing but the absolute best of luck.