This was a few pages back, but I had to respond.
First thing is that desire to have sex is 100% natural. It is only made the object of guilt and fear by conditioning.
Secondly, sex is only dangerous if you don't take precautions. If you don't use contraception, specifically condoms, you are asking for trouble. Having babies too young is not right, but it usually happens because people don't use contraception.
I know from personal experience that condoms are not 100% effective, so would recommend using condoms and the pill if possible. That cuts down the chance of pregnancy if a condom fails. If you are going to have sex read up on contraceptive methods; you get driver ed, you should give yourself contraception ed.
However, even if you're on the pill, never have sex without a condom until you are in a stable trusting relationship and both you and your partner have passed two HIV tests at three month intervals.
That's the 'doing it safely' bit, so you are doing all you can to protect yourself from disease or pregnancy.
As to the rest, well, in my opinion waiting to have sex until you are married is stupid. You are sixteen, if you have sex when you are ready you won't rush to get married, and rushing to get married so you can have sex is stupid.
You need to date and learn what you like in partners and what you don't like, learn how you should be treated and how to treat someone. You are just begining to know yourself a 16, and will carry on learning about yourself the rest of your life, making huge steps up through your early twenties - and that's the earliest you should think about getting married. Anything before is stupid, unless you are very very very lucky.
At somepoint in that you will want to have sex. There is only one first time. Don't waste it. Be safe. And enjoy it. It doesn't have to be with the perfect person the first time, although they might seem to be. It IS FAR BETTER if you really feel for the person. But that doesn't mean you are a bad person if you end up having recreational sex. Sex is wonderful. Just be smart, be safe, don't hurry, only do what you want to do, don't let anyone piss on your heart, and don't piss on anyone else's heart.
All the best