Help me r/sex, you're my only hope.

Okay, so i have a problem, something i only feel comfortable telling anonymously and to a (hopefully) non-judging group. Pretty much every time i masturbate, i can only climax if i picture myself ejaculating in a very embarrassing way (i.e. naked in the doctor's office, at the massage parlor, at a nude pool, in a hotel hallway). And it's never satisfying a partner, it's purely in an embarrassing situation. It's not me picturing myself masturbating in public, it's me being naked then just blowing a load. Is this normal? I'm a virgin, but will it affect my sex life later? What can i do to rectify the situation? Please ask questions if you have any, maybe i can clarify something that might lead to a solution.