Is 15 too young to have sex

My bf really wants to have sex and I want to as well but we both just turned 15 and I feel like we are too young.

We have condoms and I would do it outside of my fertility window but idk because what if I regret it when I’m older?

we have done some other stuff but I feel like sex is a bigger deal

Is 15 too young, does anyone have similar experiences ?