I don't regret it at all. I was 15 (very young I know) and did it because I wanted to, and because I was ready. I did it with someone I trusted and who I am still with five years later. The most important thing is to be ready yourself, not let anyone pressure you into anything you are comfortable with, do it with someone you trust (and is of a similar age) and USE PROTECTION. Having sex and consent should be an eager and willing yes, not something someone is hesitant about.
First and for most people should be have sex with themselves (for many reasons), then having what I like to call OUTERCOURSE with other people (kissing, petting etc.) and then when you are ready, you can move onto the more heavy stuff like intercourse.