Well, obviously, one would question WHY the person is so inexperienced. Are they physically repulsive? Do they have the personality of a gnat? Are they terrible at relationships?
From your post, it seems like you are none of the above. You're just a bit nervous and you haven't fallen entirely prey to your hormones (that is, shagging the first thing in sight as soon as you were physically able)...
What I think you should do is:
1. DON'T use a prostitute, for God's sake!
2. Work on your anxiety issues, see how it goes... meet a nice girl, tell her the truth, see what happens.
3. If the above doesn't work, and she runs a mile (which I doubt she would), then go to a club and pull someone. Get it over with. But that won't help your anxiety issues, and you might just end up hating yourself for it.
But are you anxious and reticent about relationships as a whole, or just sexual stuff?