“…These increased risks may be attributed to adolescents' lack of cognitive maturity and poor decision-making skills, which therefore may make them less likely to use contraception (Centers for Disease Control, 1992); thus, it is very important to understand the risk and protective factors associated with early sexual debut (Brooks-Gunn & Paikoff, 1997). The decision made by an adolescent to engage in sexual intercourse for the first time is an important transition and, if experienced too early, may lead to other risky sexual behaviors, such as teen pregnancy, sexual transmitted infection, and HIV (Babalola, 2004; Centers for Disease Control and Prevention, 2010; Klavs, Rodrigues, Weiss, & Hayes, 2006;Wisnieski et al, 2013). It also places the youth at increased risk of lower levels of academic achievement and increased levels of substance use (Schvaneveldt, Miller, Berry, & Lee, 2001;Whitbeck, Yoder, Hoyt, & Conger, 1999).…”