Ok all of the other people who have commented are probably way older than you. I'm 13 too, and I found my self asking the same question recently, so I went to my bff who lost it really young, and she told me this;
ignoring the fact that it's illegal, you have to be ready for it. If you rush into something that you don't think your ready for, chances are you're not ready for it, and you'll get hurt. But if you do think you're ready, and you really love him, try and tell him that you don't want to. If he drops you, then you know he isn't worth it. If he still loves you, tell him ok and go for it. There shouldn't be an age limit on giving yourself to some one you love, but there is because of stupid girls and boys that get themselves/ partners pregnant before they can't handle a baby! So if you do decide to, make sure you use protection.
ignoring the fact that it's illegal, you have to be ready for it. If you rush into something that you don't think your ready for, chances are you're not ready for it, and you'll get hurt. But if you do think you're ready, and you really love him, try and tell him that you don't want to. If he drops you, then you know he isn't worth it. If he still loves you, tell him ok and go for it. There shouldn't be an age limit on giving yourself to some one you love, but there is because of stupid girls and boys that get themselves/ partners pregnant before they can't handle a baby! So if you do decide to, make sure you use protection.