Hmmm I was a virgin for a lot of college. Not for religious reasons, but I didn't want to "lose it" to just anyone. First time was with a guy I'd been seeing for 3 months. This is normal - a LOT of women are nervous about things sexual, remember, she ends up with you on top of and INSIDE her - it's a very very intimate thing for a woman, less impersonal than shovin' it in I'd imagine, and if you love her, you'll wait.
Chances are, if she is really falling in love with you, and you with her, after some months she will have sex anyway. Unless she has really strong religious views about marriage and sex. In the latter case, it's generally best if couples share the same religious outlook when you're talking about life partnership. So if your religious beliefs radically differ from hers, ask yourself, do you plan on spending, possibly many years with this woman?
Also, many women have no interest in a "casual fling" - I never really did, irrespective of how much I like eye candy in clubs/gyms, so if that's what you're after, you need to find a like minded girl (try your local sorority
).
It's best if your girlfriend and you share the same outlook on life and have the same view of your relationship. If you'er both serious, or both casual, fine, but a mismatch leads to trouble later. If things don't click now, they won't later, so you need to decide what's best here.
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