Young sex etc

I’m a freshman in high school and I honestly can’t believe how early girls are losing their virginities nowadays, am I crazy for wanting it to be mature and wait until I’m at least in college? I’ve always had a different opinion when it comes to sex, I believe if you aren’t old enough to raise a child, you shouldn’t be having sex. Also, if you aren’t mature enough to talk to your parents, doctors, or even friends, you definitely shouldn’t be having sex. All of my friends are 14, 15, 16, and they’re always talking about how they want to have sex or how they already have, it makes me feel weird for not wanting to lose my virginity this young.