I was a virgin when I married. So was one of my sisters, and we're basically in your age group. Most of my girlfriends in college were not, although I've met quite a few women since then that were abstinent until marriage.
I'm glad I waited, and I've always been grateful that my mother told me "a moment of pleasure isn't worth a lifetime of regret."
Of course, I've been called a "freak" before on FR for talking about this issue in the past.
I've come to the conclusion, after reading this forum for four years, that I have very little in common with most folks that call themselves "conservatives." This thread is just more evidence of that.
i abstained until i married at 21.
i'm 29 now - still married and doing fine.
celibacy was the norm at the religious college i attended, but, unfortunately, people coming out of this school still divorce at nearly the same rate as the rest of the country. i speculate that this is because the desire for sex pushes many celibate people to get married too young and with too short of a courtship period.
i find it ironic that celibates often scold people for making sexual compatibility a factor in choosing a life partner, when in reality, celibates are probably even more influenced by sexual attraction in making their choice (on account of they're being so hard up).
so i think there are definite benefits to waiting (foremost in my mind is avoiding an unwanted pregnancy), but definite drawbacks as well. it happened to work out well for me - but i think the more important thing is that people take responsibility for whatever decisions they make.