I don't believe in sex until love and this may be a very corny thing to say but just know that you are not alone. If she really cares she should be able to understand that you are not ready. You have to make yourself clean to her and let her know how you feel. If she is really the horny, which some women are, you should TRY doing other stuff for her. You may enjoy it ;) You can try heavy make out sessions and try touching her down there. If you can't cut it maybe you should buy her a toy. Explore!
hmm... Some guys might like going down on a girl. A friend of mine once told me that when a guy fingers her she thinks "with lets just have sex already" so that might not be the best approach but whatever you are willing to try.
hmm... Some guys might like going down on a girl. A friend of mine once told me that when a guy fingers her she thinks "with lets just have sex already" so that might not be the best approach but whatever you are willing to try.