Ask the Doctor: I have a phobia for sex

Dear Doctor, I am a 24-year-old virgin and planning to get be married in December this year. However, silly as this might sound, I am scared of the thought of having sex for the first time. I have heard that it is painful and honestly, that is what scares me. I told my friends about this and they laughed at me but my phobia is getting stronger. There must be something that can make the experience less painful right?
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Dr. Rachna Pande