Guys please help me lmao

So I’ve been battling with the decision of waiting till marriage. Half of me feels like I should and half of me wants to loose my virginity way before. I am Mormon so I grew up believing you should wait till marriage, even though I don’t follow all the rules....I’m more distant from the church. I’m pretty scared of the whole ‘eternal sin’ thing and don’t want to regret my decision lol.