Masturbation Issue?

So I'm a 19 year old girl and I'm still a virgin. At this age I'm surprised I still haven't had sex, even though my hormones and body are raging. When I try to masterbate (usually night or so) I play/rub my clit over my panties. I don't even finger myself because I'm kinda scared, lol. So after a while I start to shiver get this amazing feel-good rise to what I think is an orgasm but it gets too much for me and every single time I am forced to stop and can't continue. I don't get it. Is something wrong with me? Or do I just need to find a SO to do it for me? Haha