These are taken directly from Christian websites, so she can't really tell you anything after that.
Sex before marriage, pre-marital experience, assuming one is talking of sexual intercourse or perversion of the same, the word of God implies it all by calling it fornication. It knows no exception. It allows none. Renaming fornication does not change the act or remove the consequence. Those who commit fornication, sin.
This message, like all other true Bible messages, is designed both for believers and disbelievers. "Faith comes by hearing and hearing by the word of God" Romans 10:17, so the purpose of the Bible revelation is to create believers of those who would learn. The fact that premarital sex, fornication, homosexuality, are laughed at by the world should be of little consequence to one who seeks for truth, or to one who believes the truth. It is the truth that shall make you free (John 8:32). Now let's consider briefly the question of fornication, or pre-marital sex. Fornication is a sin against God. Sin is transgression of the law of God (I John 3:4). It is to go against, or across, what God has revealed. So if one believes God and would follow His word, he must stand on the simple conviction that fornication is wrong. Consider what the word says. "Marriage is honorable in all and the bed undefiled, but whoremongers and adulterers God will judge" Hebrews 13:4.
Paul writes in I Corinthians 6:9-11, "Know you not that the unrighteous shall not inherit the Kingdom of God? Be not deceived, neither fornicators, nor idolaters, nor adulterers, nor effeminate, nor abusers of themselves with mankind, nor thieves, nor covetous, nor drunkards, nor revilers, nor extortioners shall inherit the Kingdom of God". You say, "What am I to do then? For I am guilty." Read the next verse, "But such were some of you". According to Acts 18:8, "And many of the Corinthians, hearing, believed and were baptized". The guilty Corinthians were forgiven, redeemded.
Fornication is a sin against the other person involved. It is always a mutual sin engaged in by two or more. Involving others in your own sin, You sin against them. If your convictions had been strong perhaps they would have been encouraged to do right. The sin, the shame, the wrong is shared by both. For this reason Paul writes in I Corinthians 7:2, "Nevertheless, to avoid fornication, let every man have his own wife and every woman have her own husband". Temptation is not a sin fornication is.
Fornication is a sin against oneself. Paul said, "Flee fornication. Every sin that a man doeth is without the body, but he that committeth fornication sinneth against his own body" I Corinthians 6:18. The body of the believer belongs to God. He has been bought with a price and is to glorify God while in the flesh. All of this is clearly taught in this chapter. Fornication is generally committed. in private. This leads one to believe that, since no one knows, or since the act was committed with a prostitute or call girl, that the sin goes unnoticed and the consequences are allayed. This is just not so. Pre-marital sex? An effort to reach compatibility? An innocent game to play? Not according to the word. God says it is fornication, sin, and those who commit such things shall not inherit the kingdom of God. It is not sex which God condemns, but it's misuse outside the marriage bond.
http://www.bible.ca/s-premarital-sex.htm
(The following article is easier to view from the website itself as the important parts are bolded. Scroll down for the link)
Now let's take a look at what the New Testament says about fornication. For example, Jesus said that fornication is in the same category as murder, adultery, blasphemy, etc.:
"For out of the heart proceed evil thoughts, murders, adulteries, fornications, thefts, false witness, blasphemies: These are the things which defile a man: but to eat with unwashen hands defileth not a man." (Matthew 15:19-20, KJV)
Abstaining from fornication was one of the rules given to the Gentile Christians by the apostles and elders of the Church:
"Wherefore my sentence is, that we trouble not them, which from among the Gentiles are turned to God: But that we write unto them, that they abstain from pollutions of idols, and from fornication, and from things strangled, and from blood." (Acts 15:19-20, KJV)
The apostle Paul told the church at Corinth that they should have mourned the fact that a man among them was committing fornication:
"What will ye? shall I come unto you with a rod, or in love, and in the spirit of meekness? It is reported commonly that there is fornication among you, and such fornication as is not so much as named among the Gentiles, that one should have his father's wife. And ye are puffed up, and have not rather mourned, that he that hath done this deed might be taken away from among you." (1 Corinthians 4:21-5:2, KJV)
In the above passage, the woman who was involved in the affair ("his father's wife") was married, and therefore she was committing adultery. However, the man who was involved in the affair was not married, because he was committing fornication rather than adultery (for example, notice that Matthew 15:19-20 (above) uses different Greek words to distinguish between adultery and fornication, as Paul did in Galatians 5:19-21 below). The above passage doesn't say that the man had sex with his own mother, so this wasn't incest. There is also no hint of prostitution. In modern terminology we would say that he had an affair with his stepmother, and since he was unmarried then by definition he was having premarital sex (premarital sex does not imply that the man and woman intend to get married).
Paul also told the church at Corinth not to associate with fornicators, and he said that the above fornicator should be put out of their fellowship (referring to him as a "wicked person"):
"I wrote unto you in an epistle not to company with fornicators: Yet not altogether with the fornicators of this world, or with the covetous, or extortioners, or with idolaters; for then must ye needs go out of the world. But now I have written unto you not to keep company, if any man that is called a brother be a fornicator, or covetous, or an idolater, or a railer, or a drunkard, or an extortioner; with such an one no not to eat. For what have I to do to judge them also that are without? do not ye judge them that are within? But them that are without God judgeth. Therefore put away from among yourselves that wicked person." (1 Corinthians 5:9-13, KJV)
Our bodies are not meant for fornication:
"Meats for the belly, and the belly for meats: but God shall destroy both it and them. Now the body is not for fornication, but for the Lord; and the Lord for the body." (1 Corinthians 6:13, KJV)
Fornication is a sin against our own body, and we are told to run away from fornication:
"Flee fornication. Every sin that a man doeth is without the body; but he that committeth fornication sinneth against his own body. What? know ye not that your body is the temple of the Holy Ghost which is in you, which ye have of God, and ye are not your own? For ye are bought with a price: therefore glorify God in your body, and in your spirit, which are God's." (1 Corinthians 6:18-20, KJV)
The Israelites committed fornication in the wilderness, and thousands of them were killed. This was written down as an admonishment (warning) to us:
"Neither let us commit fornication, as some of them committed, and fell in one day three and twenty thousand. Neither let us tempt Christ, as some of them also tempted, and were destroyed of serpents. Neither murmur ye, as some of them also murmured, and were destroyed of the destroyer. Now all these things happened unto them for ensamples: and they are written for our admonition, upon whom the ends of the world are come." (1 Corinthians 10:8-11, KJV)
Paul gave the Galatian church a list of sins of the flesh, and notice that adultery and fornication were at the top of the list:
"Now the works of the flesh are manifest, which are these; Adultery, fornication, uncleanness, lasciviousness, Idolatry, witchcraft, hatred, variance, emulations, wrath, strife, seditions, heresies, Envyings, murders, drunkenness, revellings, and such like: of the which I tell you before, as I have also told you in time past, that they which do such things shall not inherit the kingdom of God." (Galatians 5:19-21, KJV)
Fornication must not be found ("named," as in 1 Corinthians 4:21-5:2, above) among Christians:
"But fornication, and all uncleanness, or covetousness, let it not be once named among you, as becometh saints;" (Ephesians 5:3, KJV)
It is the will of God that we abstain from fornication:
"For this is the will of God, even your sanctification, that ye should abstain from fornication" (1 Thessalonians 4:3, KJV)
Sodom and Gomorrha gave themselves over to fornication, and they are set forth as an example:
"Even as Sodom and Gomorrha, and the cities about them in like manner, giving themselves over to fornication, and going after strange flesh, are set forth for an example, suffering the vengeance of eternal fire." (Jude 1:7, KJV)
Jesus told the church at Pergamum that He had a few things against them, including the fact that they held to the doctrines of someone who led God's people to commit fornication:
"But I [Jesus] have a few things against thee, because thou hast there them that hold the doctrine of Balaam, who taught Balac to cast a stumblingblock before the children of Israel, to eat things sacrificed unto idols, and to commit fornication." (Revelation 2:14, KJV)
Jesus told the church at Thyatira that He had a few things against them, including the fact that they were putting up with someone who led them into fornication and idolatry:
"Notwithstanding I [Jesus] have a few things against thee, because thou sufferest that woman Jezebel, which calleth herself a prophetess, to teach and to seduce my servants to commit fornication, and to eat things sacrificed unto idols." (Revelation 2:20, KJV)
Fornication is listed with other sins which need to be repented of, such as demon-worship, murder, sorcery, and theft:
"And the rest of the men which were not killed by these plagues yet repented not of the works of their hands, that they should not worship devils, and idols of gold, and silver, and brass, and stone, and of wood: which neither can see, nor hear, nor walk: Neither repented they of their murders, nor of their sorceries, nor of their fornication, nor of their thefts." (Revelation 9:20-21, KJV)
Earlier we saw that the word "fornication" has had the meaning of premarital sex from at least the 14th century, and it still has that meaning today. The KJV was written in 1611, so the word "fornication" in the above passages conveys the meaning of premarital sex. For example, notice that some of the above passages make a distinction between adultery and fornication.
As we can see in the above passages, God has strong views against fornication. Therefore, so should we.
Now, notice that Paul said that the Church will be presented to Christ as a pure virgin bride:
"I am jealous for you with a godly jealousy. I promised you to one husband, to Christ, so that I might present you as a pure virgin to him." (2 Corinthians 11:2)
This indicates that in Scripture, purity and virginity are highly valued before marriage. Premarital sex takes away that purity and virginity. For those who have already lost that purity before marriage, God is willing to forgive our sins and purify us from all unrighteousness (1 John 1:9). Christian recording artist Rebecca St. James points out that if we have made the mistake of having sex before marriage then we can repent and give our sexuality back to God and become "recycled virgins." As I see it, the idea of being a "recycled virgin" means that we have received forgiveness from God and we are now keeping ourselves pure for marriage by abstaining from sex (just like a virgin).
Paul also said that if unmarried people cannot control their passions then they should get married:
"Now to the unmarried and the widows I say: It is good for them to stay unmarried, as I am. But if they cannot control themselves, they should marry, for it is better to marry than to burn with passion." (1 Corinthians 7:8-9)
The above passage says that if unmarried people can't control their passions, then they should get married. Paul didn't say that they should give in to their passion by having premarital sex, but instead he gave them two options: Either control themselves or get married. This clearly indicates that premarital sex is a sin.
Another thing Paul said was that men should have a wife and women should have a husband, in order to avoid fornication:
"Now concerning the things whereof ye wrote unto me: It is good for a man not to touch a woman. Nevertheless, to avoid fornication, let every man have his own wife, and let every woman have her own husband." (1 Corinthians 7:1-2, KJV)
Again, God has strong views against fornication, and we have specifically been told that there are only two valid options when we are burning with passion. Our options are to control ourselves or to get married. We are never given the option of having premarital sex.
http://www.layhands.com/IsPremaritalSexASin.htm