How do you approach sex?

I'm asking this as a mature 18 year old male. Our relationship was been great, and we've been going out for about 3 months (but known each other for 5 years; never had the courage to ask her out). We have made out tons of times, but I want to take it to the next level. However, I'm not sure if she is ready for it, and I respect her decision. How would I approach her?
Also, we are both virgins.
 
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