Just like Mal said, age is NOT an issue. I didn't lose my virginity until I was older than you, but it was with someone I love, so it was worth it. Honestly, you might not think you'll regret it, but when you meet that special person, you will
Also, confidence is a big deal. You say you ahve no self-esteem and are ugly. I am willing to be on the self-esteem problem and let the ugly go hang. If you believe you are worth people's time (which I can guarantee you right now that you are) then you will be.
Good luck
