I’m sex-phobic

The title is exactly how i feel. I grown up with older friends that are girls that have had sex at a young age. They tell me constantly that it hurts really bad and you regret it instantly. Overtime, i’ve realized that i’m terrified to do it. I wish people around me wouldn’t make it seem so bad because i don’t think i’ll ever get over my fear. I’m only fifteen but all my friends have done it already and i feel like i can never relate to the topics they talk about because they aren’t virgins. I also got asked many times to do it with attractive guys that i’ve known for awhile but then i get nervous and self conscious. Any tips to make me feel better?