"Homework" by S.B. Douglass (Repost by olifra@mbox.vol.it). This is close enough to how I got started to be almost nostalgic. The boy and girl are studying together in her dorm room for their college psych course, when they discover their mutual attraction to one another. They don't quite go all the way, but they get very hot. The author handles the combination of innocence and passionate sexuality very effectively.

That's what I wish for my daughters. If they can't meet their future True Love at an old-fashioned orgy or church social, I hope they do so while studying for their psych class.