i dont care what everone else's morals are and whether or not you think I'm without morals because of this...but i dont think holding off until marriage is a good idea. Whether you want to believe it or not, sex IS an important part of a relationship. If you wait till you get married and then find out that your partner can't satisfy you in the ways you want/like/need..you'll be miserable and it'll be the root of many many arguements and possibly even a divorce.
....but i do respect those who wait.