I think it's better to lose it to someone you at least LIKE, but I can see why at your age you would consider a prostitute. If you decide to do it, don't be cheap about it. The bargain whores are the ones that don't get tested. The one thing to keep in mind is that certain STDs are NOT routinely checked for in the absence of symptoms (herpes, HPV), so you MUST use protection, and keep your mouth off their vagina unless they are using some sort of barrier protection.
Relax... I'll need some information first. Just the basic facts - can you show me where it hurts?