I've raised 5 kids. My youngest is 13 and my oldest is 27. Thirteen, fourteen, fifteen - all too young for sex. Emotionally, we are not ready. If she or he finds the responsibility of having a baby to be too much, then they should not have sex. If you are having sex to be liked, for love, or because someone is pressuring you, you should not have sex.
Schools have good and bad teaching. They are not infallible. Good council should stand against bad.
Lulu, my son became a father at the age of 17.; the mother was 16. Their children would have been better off if they were more mature. As it is, my son is raising the kids by himself because the mother can't handle the responsibility. He regrets his past choices. Do you want this to be your life too? You need time, give yourself that.