It's not bad, if you're choosing to have sex with the right mindset, which is as thus:
1. You feel ready for it. Never let yourself be pressurized into doing things you don't want, whether it's pressure from your partner, your friends, or anyone else - don't listen to it and don't give in to it.
2. You feel that you're with the right person. You trust and respect this person, and this person in turn trusts and respects you. Respect means that when you don't want something or say no, your partner will respect your wishes; and when your partner doesn't want something or says no, you will respect their wish in turn.
3. You respect the moments shared between yourselves. This means that you will not share details about your intimate encounters with other people without explicit permission from your partner. The two of you should also most certainly NOT make photos or videos of your intimate moments.
4. You are concerned for each other's health and practice safe sex. Always use condoms!