Sex Fears and Concerns (help please)

Alyse
I am absolutely terrified to have sex because of the horror stories I've heard from my female friends. And I have a low pain tolerance and it hurts to even masturbate
But at the same time I feel like I'm missing out on a great and important part of life and I want to have sex. I don't know what I should do at all. I want to but don't want to.