She's scared and probably lacking information about what to expect. At this point, she's probably not in any kind of a hurry to lose her virginity, as she has her first years of college ahead of her.
Here are a few things that I have learned about the whole process. The first time is special in a way, but it might hurt for her, and it probably won't be that good for you either. It's a meaningful thing to do, and a major step, but it's just the tip of the iceberg, and once you're doing it on a regular basis, you'll look back and realize that it wasn't such a big deal. If she loves you, and she's decided that you're "first time" material, all you have to do is muster up some courage and lead the way. Humans have been doing this thing for millenia, so don't worry too much. It only gets better.
So, in a sense I disagree with the wait until she says she's ready bit. Women are funny, and she might be ready, but not ready to talk about it, if that makes sense. If she likes you enough, and you lead the way, she might follow.
(Blindingly obvious, yet necessary, caveat: if you go for it, and she tells you to stop, stop. Non-verbal communication on an issue this complex can be a very imprecise game. If nothing else, it will at least tell you where you stand, and whatever else you can learn from the conversation afterwards.)
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"Erections lasting more than 4 hours, though rare, require immediate medical attention."
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