Never dated/had a girlfriend, feel like a total loser?

Hey i was just wondering what girls think of a 20 year old guy who has never had a girlfriend or dated, do you consider it pathetic? I dunno im a sweet guy, i'd dare say attractive, im just a lil shy, i guess nice guys do finish last :( And please dont go with the cliches like *theres someone for everyone* *you'll find her when you least expect it*. I'm 20 years old and feel like my time shouldve already come . Just feels like theres something wrong with me but i cant quite point out what, to be honest makes me feel sad and like a loser :( And no im not even the least bit religious and i have nothing against premarital or anything, just fyi.