How can I reduce stress as school begins?

I am 20 years old and recently lost my virginity to my boyfriend of six months. Before this happened, I strongly believed that I would wait until marriage because of both personal and religious reasons. My boyfriend completely understood my morals but then pushed the limits after only one month together and I didn't stop him. Not to mention we had sex before we told each other, "I love you." I regretted my decision the moment it happened. I know (now) that he loves me and I love him, but I still believe that what we are doing is wrong. I hate lying and that is exactly what I am doing by being dishonest with my family and peers. He acts so hurt when we do not have sex but I don't want to anymore. How can I tell him that I want to put an end to our sexual relationship?

All the people in my major seem to breeze through homework, tests, and absorb every lecture like they've heard it a million times. This leads me to believe that I might have chosen the wrong major, even though it is what I really want to do. I'm already a senior, so changing majors now is out of the question for me, since I've already made all the arrangements for graduation. I know I will graduate with a very low GPA... not even high enough to get into graduate school in my major. The coursework that I'm headed towards in my last two semesters seems like total rocket science to me and asking for help, even from close friends in my major, is very embarrassing. I normally wouldn't mind asking my friends for help, but they have very belittling things to say about other people who don't understand the concepts. Plus, everyone that tutors for my major is also in my classes, so asking for help there is also impossible. I feel that if I don't get help and start understanding things essential to my major, I will completely abandon the idea of going to graduate school, or even trying to get a job related to my major. I don't want four years of schooling to go to waste... what should I do?

Recently, during a phone conversation with my boyfriend, he told me that he turned the volume up on his phone. Soon after, he began to masturbate, while he was talking. I am well aware of phone sex, but the conversation never came up. I had no idea what to say to him. It was very loud and there was no mistaking those sounds. Should I confront him or let it go? Do many men find this satisfying? He complains about not being able to sleep. Could this have something to do with this?

I go to a college that offers free counseling to students. While I would like to take advantage of this, I feel that my pride is getting in the way of getting any help that I may need. I’m afraid of someone seeing me walk into the office, and someone seeing me in the waiting room of the office as well. (The door is left open). Any ideas on how I go about this? I'm also worried because a guy I know and work with, also works in there. He is the obnoxious, jock-type and going in there while he is working, is a concern of mine — also, if he sees that I have an appointment.

In the past I have self-mutilated and recently there has been a lot of added stress to my life. I've heard about wearing a rubber band on your wrist as an alternative. I was just curious are there any downsides to this method, as an example I have been doing this for a week now and I have gotten a bruise on my hand, it probably isn't from me snapping the rubber band but I was just wondering if there is anything I should know about this method? Thanks