Yet, I know so many hearts that got broken too soon because they didn't want to say no. It seems that sometimes us young women make big mistakes because we are too nice. We want so much to be good to our boyfriends that we lose track of what is good for them and us. Why don't you use this as a little test. If he really cares for you, he will wait.
Every month there are girls using contraception and still getting pregnant.
Sex cannot be totally separated from having children, no matter how much people might want that. Yet, the young man in question probably does not come to think of what having sex might mean. Enjoy your wonderful young age and love yourself by respecting the wonderful gift that sexuality is. Trust me, the longer you wait the happier you will be that you did. You are much too precious to expose this beautiful part of yourself at such a young age.