If you do have sex, please practice safe sex. Nobody needs to know about your sex life unless you or your boyfriend tell them. So just keep your private sex life private. If your family gives you a hard time about having a worldly boyfriend, just tell them lots of people in the Bible had worldly friends/mates (Solomon, Ruth, Esther, Samson, etc.), and they had just as many problems as the people who were married in the faith (Job, Lot, Adam, David, etc.). Tell them you'll take your chances and accept the consequences like an adult. If the elders give you a hard time, remind them you haven't been dunked and tell them to mind their own business.
Tammy