Can't have sex

So my boyfriend and I have been together for 10 months now and despite the fact that I'm 19 and have had boyfriends, I'm still a virgin.

I've had some issues with climaxing in the past i.e. I've never been able to reach orgasm even alone despite trying. But now it's just gotten to a point where I'm worried something is wrong with me. My boyfriend and I have tried to have sex on multiple occasions but each time he just isn't able to fit in me. We've tried fingering, foreplay, all that good stuff but it just won't go in and I feel like it's unfair to both of us if I keep having to tell him to stop. Any advice?