Didn't wait.
I believe in waiting for someone you love, and trust.
I had sex a year into my relationship, and it was last year, when I was 16.
I don't believe I am stupid, ignorant, or immoral. I have morals. I don't drink. I don't do drugs. I don't smoke. I've never done anything illegal. (Except this, I guess. But, hell. At least I was picky with it.)
He wore a condom. I'm on birth control.
I'm still with him, it was only three-four months ago, but nothing's changed. He doesn't treat me any differently. We've stopped having sex, and he's not pestering me, or being an a** about it. He's completely content with it, because I am.
I don't care if we break up later in life. I will never regret losing my virginity to him. Because I will know that I was in love at the time, and that's good enough for me.