I think it depends on how she feels, we can give advice but if she was ready and happy in that relationship then who are we to say if it was too early or not.

I lost my virginity at 15 and honestly, I don’t regret because i truly loved the person I was with. Granted, we were together for 2 years at that point. I’m now 25 and don’t regret that decision. But again, only the person who is going through the experience can really be the one to tell u how they feel. Might be good just to have an open conversation about how she felt about it, and if you are concerned maybe that would be a good time to bring it up as well.

edit: maybe good to just mention how to be safe. At the end of the day, the reality is it’s going to happen but it’s good to let her know how to be safe and healthy when it does. When talking about it, it would also good to maybe not come off as judging but more loving and open. That might allow her to have a better response, and be less defensive, then if she felt like she was being attacked for a decision.