It very much depends on who you have sex with and your mood at the time.
It can range from totally euphoric and enormously satisfying to disappointing and frustrating.
My first time certainly wasn't the best experience for me but it didn't put me off.
You have a lot to look forward to. You can either wait for the right time with the right partner (whether that be a casual fling or a long term relationship) or you could pay for sex. Entirely up to you and not a decision anyone can make for you - you will know what is right for you.