My friend is trying to make me feel bad for thinking about losing my virginity.

It's all in the title, basically I'm planning on losing my virginity to my boyfriend this summer, we've been talking about it for awhile. I told my best friend about it because I tell her just about everything, and she told me that he was brainwashing me, that I should wait until marriage, that I might get pregnant, and that I'm not ready. But I truely feel that I'm educated on sex and the effects it has. I know all about birth control, STD's, STI's, UTI's... you name it. I've been doing research since I was little. Being the only child I had nothing else better to do. I also plan on getting birth control soon, and of course I'll use condoms. But she's making me feel like I'm a bad person because this is an act of fornication, and I understand that everyone's life is different, everyone's relationship with God is different... but I don't know. I truly trust this guy, I love him dearly, and I wouldn't imagine losing it to anyone else, but I don't want to wait. We've been together for a year and a half now. Without any sexual contact except kissing and groping. I'm 16, who knows when I'll get married? (Please no hate / backlash on my age. I've made up my mind as far as having sex, I'm just confused as to what to do about my friend's advice... should I take it?) And yes I understand this app isn't a religious app or anything, but it's hard to talk to my pastor without a direct bias opinion, "sex out of wedlock is completely wrong, that's what the Bible says.." Thanks in advance to every angel that responds! ❤️