Sex ?

My boyfriend Is 16 and I am 14 we have been dating for 10 months and I don’t know what to do because I know he wants to have sex and is embarrassed he’s a virgin when all of his Friends aren’t. I know he doesn’t want to pressure me and he is a really good bf. Sometimes I want to have sex with him but a lot of the time I don’t. I have been thinking about it a lot and I know it’s upsetting him so idk what to do. Ps the legal age to have sex where I live is 16. So I would rather be nearly 16 or 16 when I loose my virginity but that would mean my bf would be 17 or 18 and that isn’t fair on him. Ughhhhhhh help !