Should I do it?!?

Courtney
I'm 17 and I've been with my bf(who is 18) for almost a year and we still haven't had sex. He has been wanting to do it for a very long time but I've always been so scared. There are days where I really want to do it but at the same time I'm not 100% sure if I'm ready. I guess the reason I'm holding back is because I don't want to disappoint my mom and I don't know if I'll regret having sex. Should I go ahead and do it. Give me some advice on whether or not I should do it and feel free to share your first time experiences! Also do any of you think I'm too young to have sex?