Dear Shan,
When my daughter was 13, she chose to have sex with "her baby" as she called him--his name was Maka.
Maka was 14 and I really didn't know him. They had been together about 6 months, and I belive he was not a virgin either. Well, I didn't know until later, but my daughter and Maka did have sex.
The world didn't end, I got up set for a bit when I found out, and life went on. The relationship with my daughter and Maka did not last long after that, and Maka quickly found other GFs.
My daughter went on to love another boy, and probably around the age of 15-16 I found him in her bedroom at 5 am asleep, embraced, and naked. Yes, he's still alive, my daughter was embarrassed, and ran off for a day (in her t shirt with no panties). And life went on!
My daughter then went on to love another boy about the age of 16 or something like that and also probably had sex (who knows) early on. By 18 she had a baby after graduating HS. I am glad she finished. I had cut my daughter off before this.
Around 16 or 17 my daughter was far to assertive and independent and chose to live with a half sister (under difficult family situation at our home). You see my wife, her Mom, had Cancer and we moved to the Mom's home town so she could die. But our daughter had school and wanted to stay with her baby (baby number 3, BF no 3).
I'm not actually her Father, her birth father, who raised her till she was 7 died of pneumonia. But I love her and she is as much my daughter as any of my other children.
My daughter and I get along well, and thigs are good now. While I said she was cut off, I mean once 18, we did not support her anymore. So about the age of 18 1/2 or 19 I went to visit and found her working for little money make maybe 500 a month or something at a mall kiosk trying to raise a baby, while living in her BF's parents house.
In that house are 4 bedrooms, and at the time each bedroom had one child, one GF or BF, and one baby. Like a farm. My daughter really didn't like it. She had no freedom, and was treated like garbage by some of her BF's siblings. There was never privacy, and always comotion.
I offered to send her to college and give her 1,000 a month if she got A's. She agreed. And has been in school since.
I went on to ask her later about her decision to have sex back when she was 13--"Oh God don't remind me", she exclaimed. Of course, you have your own choices in life, and you will get to live it. But darling, you are a special person and to be honest there is little chance the two of you will be able to stick together if you do have a baby.
No matter what you choose, you won't be the first. You won't be the first to love...you won't be the first to feel pain...if it does happen, you won't even be the first to get pregnant.
But, if you do, if you do make a choice, make one that makes sense as an adult. You can't drive, you can't vote, you have homework, and you can't legally drink. Heck, you can't even support yourself, so now is not the time to be thinking about making a baby, but about enjoying life. If he loves you he can wait...but he won't want to. If he pushes you, just tell him to do it by himself. That's what bathrooms and playboys are for.
Every time, just tell him to do it by himself. If he gets up set then you know what he really wants you for anyways. You are not a magazine. You are a sweet 14 year old with your life in front of you. So tell him, "do it without me".