Im thirteen years old, and very curios about / !♥?

Im thirteen years old, and currently single. But i have had many boyfriends, some who are not virgins and have tried to get me to and i have said no.I am a christian and i believe in waiting for marriage to have . But that doest seem to stop me, what is stopping me is im scared it will hurt and what if i regret it after. I need some input , thank you.♥