Need Some Advice!

So, over the years, I've always masturbated by rubbing, either with my hands, and most recently my new vibrator. I have tried to use my fingers to "get inside" but every time I try, it hurts, like over stimulation sort of pain? And it's just super uncomfortable. It's even worse when my boyfriend and I are fooling around and when he tries it, even as gentle as he is, it still hurts.

I feel like it's a mental thing? I'm still a virgin, and I want to wait until marriage.

Any advice?