Virginity Issues

I am a Virgin but I want to get it over & done with . Because I have been told by mutiple females . It hurts the first time but I'm so scared its really gna hurt (I'm psyching myself out ) . But I want my first to to be perfect. And I feel like the person you lose it to , it's like your stuck to them forever. And I definitely don't want that . I'm currently single but I sometimes "masturbate " but I never made my self cum . I don't finger myself . I just like play with my clitorus . So like I'm so unsure about this . And I don't talk to my mom because she sometimes jumps to conclusions . I need some advice !!!! 😩😩😩😩