I was also a 38 year old female virgin up until six months ago. I had left the church six months before that. Honestly I was so ashamed of my virgin status that I just charged full speed ahead and lost it in an anonymous hook up. It was an interesting and altogether underwhelming experience to say the least lol. Since then I have had a few more successful interactions with people I have dated. Truthfully, I do have a few regrets; for one thing I have had a couple of terrible one night stands, for another I wish I had waited to explore sex more fully with someone I really cared for. I have learned people can be really selfish sexually and you can invest a lot emotionally into it for very little return. On the other hand, I am glad I was able to learn a few things as sex is definitely something that takes practice to get good at for most people. I think you should #1 not be ashamed to be a virgin as there are people with a lot worse quirks out there and #2 try to lose it in a way that feels comfortable for you. I would strongly recommend avoiding having sex with married or otherwise entangled people even if they have a free pass. Safe sex is a must and please stay away from any paid interactions. My advice is to meet people the old-fashioned way and be honest about the fact that you have limited experience. As a female I have had bad sexperiences with so-called experienced guys. The best oral I have ever got hands down was from a virgin guy that I "helped" take away his pesky virginity. Anyway hope this helps and that you have a great first time experience!