Hi Nancar,
Do you masturbate? If not, start. Do you finger yourself? If not, start, and use as many fingers as you can and keep using more. Both will help you learn to loosen up a bit. If you can't use a dildo then try something else, maybe a carrot or cucumber.
If you can't relax (or panic) then you can pretty much forget about having him just slide into you the next time. He may get you wet with oral but are you getting wet on your own? Your body, and his, should be producing lubrication.
For starters use more lube. Get something like KY and use it. Also, be sure you're having sex somewhere where you can be alone and relaxed. If you're doing this someplace you might get "caught" it will up your anxiety.
Remember, some pain IS common the first few times. He shouldn't expect to just slide in and start pounding. He needs to take his time and be gentle with you too. Is he very large? That increases the challenge of getting him in but with communication it can happen.
Good luck.
Technically you will NOT lose your virginity by fingering yourself. Yes, you could tear the hymen though. You CAN still bleed after having sex the first or ANY time.
But you need to loosen things up. He's not going to get his penis in otherwise.
From your posts I can tell you are scared. Scared of pain, scared of blood, and scared of losing your virginity - and you aren't saying it but I bet you are, consciously or unconsciously, scared of getting pregnant.
All the above is NORMAL. But, if you love him remember, he's not trying to hurt you. If you aren't getting wet then you are very nervous. Why not just have some fun with him for now and not focus on having intercourse. Make out, perform oral on him and have him go down on you. Maybe, just maybe, you'll relax enough after all that to allow him to try to penetrate you.
If you still can't, see your ob/gyn. You said you can't use a tampon so maybe there is a physical problem that needs to be resolved.
Hope it helps.
Your vagina can and will stretch - that's normal. Think about, a baby comes out of it. It will shrink down again, that's normal too. His penis is no where near as big as a baby.
Don't focus on the guy so much, "feel the fun.". Think about yourself too. As of now, neither of you is having any fun.
Use your fingers.
Yes there are medications but you'd also not be fully aware of what is happening/feeling.
See your doctor. They are prescription.
How's this for advice, you might consider getting drunk. It's cheaper.
You are probably feeling your hymen.
It is possible to break your hymen with a tampon. It may also stretch.