Konrad Curze said:
Half of my problem is a religious upbringing. Now I don't think you should wait till you get married, but I do think you should wait till your in love. If your going to spend the rest of your life with her, its the same as getting married i say.
Marriage is just legal bullshit.
1. You're right, the bible doesn't say anything about premarital sex. It says "don't be promiscuous." It just depends on how you define promiscuity.
2. You're wrong about marriage. It's making an official announcement to the world that you're serious as hell about this person. If you're not married people think "they must not care that much," and in all honesty they're probably right.
Back to the OT:
You are in the minority, but don't let that affect you because most people are idiots (see also: "common sense is commonly wrong.")
Kids want to have sex because it's fun, exciting, and a way to express their adulthood. You can do all kinds of fun and exciting things that express your adulthood that don't involve bringing new life into the world.
I had sex when I was 16 and I don't regret it because I actually married that chick, one and done. It could so easily turn the other way though so be very careful. It's a complicated decision and it's a very valuable experience either way.
I would only recommend waiting until you're in a meaningful relationship. Anything less will feel cheap and you'll probably regret it. Remember this is a BIG DEAL so don't waste it on a tramp at a party ;-D