Don't put yourself, or her, in a situation where it can happen again. It's really hard to stay true to what you believe when you're young, your hormones are raging, and you're curious to know what it's all about. The best way to avoid doing something you will regret later, is to avoid the situations that can lead to sex. In other words, no more hot and heavy stuff.
You don't need to keep apologizing to her, it takes two to tango, and until things got too serious, she didn't put a stop to it. She's just as responsible as you are, so if you need to apologize, so does she.
Just avoid this in the future, get to know each other, and if it lasts you'll have plenty of time for sex when you're ready for it (being ready for sex means being ready to have and support a child). Until then there's plenty of fun times ahead that don't involve sex.
Good luck.
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