Am I missing out on life? 21 year old virgin?

I think you're just fine. Just because you haven't had at the age of 21 doesn't mean there's anything wrong with you. Make the most of your time at school by studying hard, and getting a good education. Ignore the comments of your peers, and concentrate on the things you enjoy. You have plenty of time in your adult life to pursue women, if you choose. Just enjoy being you, and don't worry about what others say. There's no law that says you have to be in a relationship, or have .