I hope you are not saying you want to lose your virginity because you think it is time to lose it and not because you have found someone special.
Having sex for the first time should be special for guys too.
And there really is no way to describe what sex feels like for the first time. Some guys will be disappointed because they expect it to be something it is not, other guys will think it is an amazing experience. It depends a lot on how much you have masturbated and how you have masturabted - it is a very different kind of exerience. It also depends on the skill of the person you are with - and how much you are connected to them.
Maybe some guys here will tell you their experiences.
Susan
From a man's point of view, I don't think it feels any better mentally than masturbation... maybe not as good. After all, you know exactly what you want and how to get there fast.. But, vaginal intercourse is much more SATISFYING mentally and physically, and it does a much more complete job of cleaning the pipes. (similar to a pump and the heat goes right thru you)
Oral is fun too.
Know, that in most male/female intercourse, the female takes much longer to fully feel the pleasure than a man. And this pleasure is way more than a man. So, in order to fully satisfy her ( related to future happiness on a permanent relationship), you will have to try to hold back...which is very difficult. The longer it lasts, the better you will feel. Actual intercourse lasts roughly 2 to 5 minutes no matter what you see on pornos. But, you can have foreplay for even an hour or more. Talk it out. Very enjoyable and so cool, that is.... teaching each other what you each like...your prime objective will be to satisfy her, and her you. Another problem is premature ejaculation...a doctor can help you on this one.
I always thought...friends, lovers and then sex. Nothing permanent usually comes from changing this order. A mental connection makes phyical sex better.
Lastly, those sperms are alive and it takes just ONE to reproduce. The only 100% safe method is abstinence.
Double condoms are pretty close. Pulling out...forget it. Timing it...risky. It is possible, though NOT likely, for sperm to travel from her belly button , into the vagina..even thru thin panties.
No matter what you've heard, sex gets better as you get older...up to a point.
So, play safe and don't accidently start raising a family until you're fully ready.