wait, not only will you be her first regret forever but just wait. If she doesn't have respect for herself then you have some for her.
You are way to young and she is too. She can get pregnant, where are you going to get a condom from. You are old enough to have sex when you can go to the store and buy condoms or you can ask your parents for one.
What about STD what if you catch something like that. Since you are able to get on line look for pictures of STDs on line and then decide if you want to have sex.