Worried about my first time?

Gina
:/ I don't have a SO, and I'm guessing I won't be getting one any time soon or at least not until I'm in college (I'm a junior). But I've heard so much about sex not feeling good and the first time hurting a lot. I've masturbated and orgasmed before, and I've even stuck a finger or two in. I read somewhere that the hymen isn't supposed to break but stretch, and I think I've stretched it a bit because it used to hurt from just a tampon and now two fingers are nothing. Any advice or things I should know for my first time?