Financial talk

I'm 20 asian male, whole life believed in this whole sex is special myth. Doesn't seem that way anymore I am so sexually frustrated all the time because I passed up so many chances believing in "the one" and now I lack the experience to go for these girls i want in college. I feel the reality check and I am so damn lonely and I regret being a virgin because along with it I've never really had a girlfriend because I focused on school/work/just taking it easy/whatever. So now what do I do? I don't have the money for prostitutes even if I wanted to. I am really starting to feel desperate and regretful as I blew so many good chances with so many great girls in the past. Now that I want to get laid and have great girlfriends I don't think I even have the experience to get with these girls I meet and am really into. I don't feel like I'm a normal guy because I feel really stupid that I am still a virgin and I feel I can't wait that long for "that one to come along." The myth ruined me.