Why am I afraid of ?

All my life (well, since I've been in school, anyways), people (aka teachers, etc) have told me all these bad things about teenage . The usual stuff- unwanted pregnancies, STDs, emotional and physical distress, 'hit and run' boys, all that stuff. So I guess they've sort of scared me into not having . But while I guess that can be a good thing, it has made me genuinely afraid to have . Like, my subconcious feelings about not having are stronger than me wanting to have (with my boyfriend, obviously). He's the first guy I've ever actually wanted to have sex with. I'm also afraid that I will never get over it, and be afraid of sex for life. So I want to know, is it alright for teenagers to have sex, I mean, what really are the statistical risks of getting pregnant or STDs. It seems like almost everyone I know is having sex and as far as I know, none of them have gotten pregnant or infected. How effective is condom use/birth control anyways, are there other methods, and how can I get over this fear of having sex? Is there a scientific name for that? I'm 16, by the way, and my parents never gave me 'the talk' so I've always been really confused about this kind of stuff, and it makes me seem innocent and prude...any words of wisdom, advice, etc? Please no rude comments :( thanks!