im kinda in the same position..im 17 and my bfs 18 hes had sex before and weve talked about it and theres been points where weve both wanted to.
however hes been really understanding and says whenever im ready hes ready.
ive decided that i am ready, however, its really early in the relationship and the time is just not right.

my bf doesnt make me feel bad about it...not at all.
hes suppose to be understanding about things like that
im sorry i know this is rude but from what it sounds you are way to good to your bf he shouldnt be telling you things like that and making u feel bad. thats not right. you deserve more. someone who respects your decisions..

just my thoughts
i aplogize if i was out of line,
best of luck,
atmnbf