I was 19...in my own bedroom...at home...my parents were asleep down the hall...i just decided it was time and told my boyfriend of three months so, and so we did it. Hurt like a bitch. I thought I was going to be split in two.
Now almost two years later and a couple of partners later, I have no regrets. I gave it up to someone I loved at the time and I've had good experiences in the meantime.