Still have it. Glad I've waited this long, too, since I didn't truly feel ready until the end of last year, age 22. Now it's just a matter of finding someone I'm comfortable with.
I don't really think there's any real detriment to losing it early or late, so long as you feel ready, comfortable, and go about it intelligently - especially not losing it just for the sake of losing it. I don't hold virginity in any special regard, but jumping into bed with just anyone to get rid of it doesn't seem wise.