Thinking about having for the first time... help?

okay so me and my boyfriend of a week so far started talking about . we have been best friends since halloween time 2008 and just recently took it to the next level. we love each other tremendously and expect to be together for a very long time. we are both virgins, and i am a freshman and hes a sopre (one year difference in age). however, he has fingered girls in the past, so im guessing that makes him more experienced? but anyways we both wanna lose it to each other but im scared. im only 15 and dont wanna risk my health or reputation. i trust this guy with my life and love him with all my heart but still, what if i get pregnant at this age? it would be a disaster, especially since i have a very good life ahead of me. If we did do it we would be as careful as possible, except i cannot dare ask my mom to go on birthcontrol bc she'd decapitate me. also i heard from my friends that the first time hurts alott! idk what to do. i dont think im ready, but i want to. what should i do?!