please help!!!

i am 18 years old. my boyfriend and i have been together for a while now. he's not a virgin, but i am. ive had oral and a little bit of anal, but anal and fingering hurt me too much. also, im afraid im going to "drop the kids off" during anal. i am honestly so afraid of the pain that comes with actually having anything as big as a penis in me, because i get nervous just with a finger. i tense up and i feel bad, because i know he really wants to, but he never ever pushes me to do anything im not ready for. i really want to give it to him, but im afraid of the pain. i am really really tight, and ive never masturbated, because im scared my finger will get stuck inside of me 😂 is this normal for someone my age? is the only solution to this is get over the pain?