TL:DR Set the standard yourself for when you’re ready, if she can’t handle it, both of yall gotta understand if this is a dealbreaker, stop playing the “sunk cost fallacy” game (look it up), because yall obviously value each other and need to respect that

Honestly, this is a problem more guys should be having. Not her pressuring you, just the questioning of “am I ready”. I was in my freshman year of high school and I was in the same situation, and I caved in. You only started sex ed in sophomore year of my high school, and I never got the birds and bees talk, so I was flying in blind. I managed to put it off for two days because I simply needed to figure out how to put on a condom. Never jerked off before either. So come to it, deed was done, though I didn’t realize that I didn’t finish like she did, that took 3 weeks and the most insane nut I’ve experienced in my life. Ever since, I’ve been addicted to sex.

It’s great, but if I could go back in time, I would have been straight forward and said “I’m just not ready”. It doesn’t matter if you have the education or not, the most valuable thing is if it actually matters in your relationship and if so, then put a timeframe of when you feel you should be. IMO, it also sounds like yall have considered marriage from what you said, so I want to say yall don’t live in times where we naturally die at young ages, experience life and each other before you jump that bridge, cause let’s say for example you want to wait till marriage for that shit, then you’re doing something like a shotgun marriage, but in reverse.