NO ONE should engage in sexual intercourse unless they are physically, mentally and financially prepared to have a child. You fail on all three. No form of contraception is 100% effective, so engaging in sexual intercourse risks pregnancy.
At 15 your body is still developing and pregnancy could be dangerous to your health. Even at 16 you may be under the age of consent, so your boyfriend would be risking a criminal charge as a sex offender. At your ages, there is no way you are financially ready for a child. And the fact that you want to sneak around behind your parent's backs, especially with your grades, shows you aren't emotionally prepared.
Sex is not recreation. Its something that is shared between people in a long term committed relationship, not a couple who just "like each other".
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