I have teenage daughters and I would kick their ass if they had sex so young. And yes I do know cause they tell me everything. In fact they aren't even at the hold a boys hand stage just google eyes and "he asked me if I wanted a piece of gum" swooning stage.
I lost mine at 15, i don't see that as a big deal, i don't regret it at all,i completly was in love with the guy. i don't get why people make sex into such an evil thing when really its beautiful.
I lost my virginity last Christmas with the boyfriend i'm with still we've been together for 2 years long distance till i moved here this last august