I worry that you are putting too much pressure on yourself. I know. I know. The media and the general culture all suggest that if you haven’t found true love by the time you are out of your teens, there is something wrong with you. But you know what? Lots of people don’t find the right person to love until well into their twenties; sometimes later.
It just may be that the reason you don’t go further sexually is that in your heart you know the guy isn’t the right one. Maybe you are a woman who only wants to be that intimate with someone who loves her and cherishes her and wants to be with only her. It’s at least a possibility. And it’s nothing to be ashamed of.
If you’ve been over the moon in love with someone and still couldn’t be intimate, it’s another matter. In that case, it might be helpful to talk to a therapist who can get your whole story. I’ve only got a short letter to go on. A few sessions with a therapist could help you figure out if there is a deeper issue. If so, the two of you could then talk about how you could make some changes.
Please remember that you are only 22. You have plenty of time to find the right partner.
I wish you well.