She's 13. Why does she want to grow up so fast? Having sex is very emotional, you don't want to just do it with anybody. Is she ready to become a parent? Hello you can get pregnant your first time. If she is serious about having sex though I would get her on some sort of birth control immediately.
Teach her about Sexually Transmitted Diseases, if she contracts something its isn't garanteed its treatable. I mean lessen the symptoms yes, but cure it completely good luck. Educate her. Thats all I can really say.
And having a baby isn't easy. I mean that means no more going out with friends (if you still have any), if you do you have to hire a babysitter. Every second of you day belongs to that child. The baby will always come first. She's gotta realize that she can't just go out and buy whatever she wants, because the baby's needs come first. No more sleeping in.
On another note, the father doesn't always stick around. So have fun tracking him down to help you out with the kid. Baby's are expensive and at 13 you are not financially secure to have a child. You can't even get a full time job at 13!
Sex lasts a minute, and its seriously over-rated. Why does she want to have sex? Because all her friends are? Besides wouldn't she rather wait and give her virginity to the man she truely loves. Besides losing it at 13 is going to get her a BAD label. Boys won't respect her for who she is, they will just see her as an easy lay.
Educate her and sex comes with a lot of emotions. I truely believe it is impossible to just have sex and have it mean nothing. Everytime you have sex you are giving a piece of you to that person. It is an emotional experience.
If you lose it to the wrong person you are going to regret it and frankly you can't get it back. Wait until you are emotionally and financially ready for the responsibilities that come with sex.
At 13 you should be picking out what movie you and your friends are going to see, not the diapers your child is going to wear.
My neighbour got pregnant at 13 and I had to watch her give up her whole life to this child. Her mom and grandma helped her out as much as they could, but she still had no life. Even though her baby is 8 years old now she still doesn't have the privillage of going out with her friends and partying all night. She has to look out for her son too.