I want to de-verginize myself

So I'm 20 and my man is 21. We are really in love and want to have sex (been together for two years). I'm just scared. Not that he's not the right guy, but I guess of pain? I feel like it's going to hurt so bad. Maybe I'm just being a baby. Can y'all give me some advise? And tell me what you would or would not have changed about your first time? Thanks❤️