You most likely won't want to hear this, but if you have no problem getting or maintaining an erection at home, but do have a problem with it when around her, then it may be one of a few things.
1.) You two are just not right together and subconsciously you know it, even though you may want it work for whatever reasons.
2.) You two may be right for each other, but you yourself are not actually quite ready mentally or emotionally to have sex, no matter how much your body may be screaming otherwise.
3.) You are under a lot of stress, and may need to learn how to handle it and how to relax. Just the idea of having sex may be stressful for you. I know it sounds odd, but it's actually a rather common anxiety. Even has it's own term "performance anxiety."
4.) Underlying fear of the possible consequences (pregnancy, STDs, getting caught, etc. etc.)
The reason I say this is many men of all ages suffer from the same type problem (no problems with erections when alone, problems within a relationship.)
Personally, I wouldn't advocate pushing it, and I wouldn't advocate having sex so young. I know, I know, that's not what you want to hear and you and your friends and your girlfriend and many other people can all give all kinds of reasons and excuses to the contrary.
However, having sex is much more than just a physical act and carries with it a LOT of responsibility. At 15 are you old enough to be a father if the condom breaks? You *are* using a condom, aren't you? (BTW, if she is on the pill, it is not 100% effective. I know that as a fact and not just some scare tactic statistic - I was on the pill when I got pregnant with my second son.) After all, if you help create a child, you hold half the responsibility for that child for the rest of your life.
When it *is* right and you *are* ready, you'll know it deep inside. Don't rush it "just because." You deserve better than that out of life. =)