Hi,
first of all there nothing wrong with waiting and truly it's none of their business. If you're afraid, then you should try to figure out - what are you afraid of. Is it that you need to be educated more, afaid it's going to hurt, or afraid of being hurt emotionally. When it does happen make sure it with a special person you care about. Don't let your friends make you feel bad. It sad the way young people approach sex so casually and they're doing it at younger and younger ages. Find out what's making you feel afraid. When it does happen it should be very special and meaningful. Take care.