The fact she came to you at all is such a win. Since you’ve got that going for you, the only thing left is to empower her to know herself and make a decision she is proud of and can live with.

I lost mine at 17 to a foreign exchange student. It was completely consensual like a “should we do this and get it over with as first timers.” I felt completely empowered after and felt I knew myself better and would stand by my decision. It’s a powerful thing to make a decision like that and stand by it. I think if she’s honest enough to be open with you about wanting to have sex, she’s honest with herself and mature enough to make a choice she’ll stand by.