Why does putting in a tampon hurt?

Emalee

I’m 14 years old (I know, pretty young, no hate please) and I’ve been trying really hard to use tampons correctly. I’m always missing out on swimming with my friends and normal activities because I’m using pads. I’m fine with pads, but I think that tampons would be great too. Every time I try to use one I feel discomfort. I’m pretty sure I put the tampon in all the way, maybe I’m too young? I need help😫