I think the hardest part is the first step. I found out that when she agrees to go on a date with you, there is a good chance that one thing leads to another. This was my experience. But the date thing isn't that easy though. In my option it's really important to get all that shyness swallowed, which was really hard for me.(Got my first GF with 19, which is relatively late too.) But I think if you're brave enough to do the first step and ask a girl, there's nothing you can't manage