My crush has asked me out. Twice. And I can't accept! Why?

I've never had a boyfriend before.

The first time he asked, I thought I need more time to mature before taking that plunge.

The second time, I got this weird feeling in the pit of my stomach that made me anxious and want to refuse. It happens every time I think about it.

I love him, but I don't understand why I feel this way. Any suggestions?
My crush has asked me out. Twice. And I can't accept! Why?
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