I didn't read the replies of anybody, so if this comes up repeated, I apologize.
Do you masturbate? If you masturbate at home, while you're not with her, it can cause serious damage to your sex life, I speak from experience.
I am 21 as well, and before this girlfriend, I haven't had an active sex life... 1 .. 2 partners at most, and it wasn't an "active" sex life, it was just like... sex two or thre times then break up.
When I first had sex with my girlfriend, I couldn't finish; part of it was my anxiety, having sex with a new girlfriend which I actually cared for AND masturbation, I had masturbated that day.
Well, I was kinda addicted to it, sometimes I preffered it more than sex, and it started affecting my sex life, decrease of sexual desire and creating mind blowing fantasies with porn strangers in my head.
When I finally let go of masturbation, things went better, and now they're perfect. I only do it infront of her, when finishing on her mouth

...
Anywaaaaaaays
If thats not your case, you could be really nervous about being with a woman, I don't know if its your first time, or one of your first times (2nd or 3rd partner) .... Lay off the porn, it creates a fake image of sex and love in your head... Hell, who doesn't want to bang strangers you met a few minutes ago? But thats a fake image of love with a partner.
If you're anxious, try doing more foreplay... kiss in bed, let her touch you, let her bring you to the edge, to the point where you NEED to fuck.
If you can't fix that, maybe you're not sexually attracted to her. I don't know how she looks, but I wouldn't get an erection of Queen Latifah were all over me.
Good luck!