I am terrified of sex

23F - I am going to admit this but I am terrified of sex. I am still a virgin, I have even had two exes and I didn't have sex with either of them because I was just never ready, along with other factors such as me not fully trusting them. I have had many men pursue me for hookups but I just didn't go with it because I was understandably terrified as it would be my first time and some of those guys are arseholes which made me feel even more apprehensive about it. The idea of trying to fit a guys penis inside my tight vagina sounds so scary and painful to me. Can anyone relate? I really need advice. I still feel strong sexual attraction but the idea of putting that inside me sounds almost impossible!