I'm going to just say that she needs to go to the gynocologist and she shouldn't be nervous or worried because that makes it worse. As mal said, if she's going to take on the sex act, she needs to have the maturity to go to the doctor. If she gets pregnant, she's going to have to go to the doctor. Also, with sex comes other problems down there that she will need to see a doctor about to cure.
That's all I'm saying on the topic...as I told my step-daughter, if you aren't comfortable with going to an OBGYN and you can't support a baby, don't have the sex.