I'm Lost and Confused. Please help!

Sooo I'm 18 and still a virgin. Lately a bunch of guys have been asking me if they could give me head. I always tell them no I'm not ready. I've never fingered myself (any advice?), I just don't know what to do. I'm also starting college soon, should I just get comfortable with the whole sex life? What are some things that could help me get more comfortable?