clitoral stimulation

Myths or Facts: Not Having Sex Being Unhealthy?

I'm a 19-year-old (soon to be 20) female virgin. I haven't really had any sexual experience so far, and it doesn't look like I will in the near future. So the question is: is it true that loosing your virginity gets more painful with age? I was told that having first time when you are in your twenties is a lot more painful than when you're a teenager....