I've been you. If you really don't want to have sex, don't. It's ok to not be ready for dirty tango, no big deal, bro. It's your body and your decision. You're young and you'll have other opportunities. That being said... If you both have chemistry and are being good to each other (even in the short time you've known each other) without mal-intentions then have some fucking fun. Don't get caught up on a high horse or moral dilemma -- it's ok to love. Also, be present with her and not stuck in your own head. Not being present will kill your ability to have/maintain an erection or appreciate that sweet intimacy. And don't forget sex isn't all about erections and coitus, kissing anywhere/everywhere and skin-to-skin contact is da bomb-dot-com. Yeah, women don't like being rejected for sex but I'm happy to hear she texted you back. I was thinking the ship may have sailed on this one and your window was over. You don't always get a 2nd chance. Do you like her and want to see her again? If so, show some interest and make it happen. When you do see her, tell her you need to talk about your stutter and ask her to please listen. Say what you need to say, don't drag it out but give her the gist. Once you finish the convo, don't bring it up again. She may have questions which is natural. But after that, enjoy the companionship and realize this person chose to be with you right now. Also, I don't think being a slut is bad. If someone likes being physically intimate with people then nobody should judge. P.S. Keep going to the groups.