Y'know the very best thing to battle mortal embarrassement is laughing. If someone comes at me "20 answers in 45 seconds"-style and masterfully weaves "open your heart and your legs" in.
I'd be a wheezing heap.
I mean, there's no falsehood in it, but still. And if there's no direct mother available for this, derivates work fine, too, just saying.
About the real thing in question: establish enough rappport so that a wayward fart will lead to a laughing fit and rolling off the bed with no feelings hurt. This ain't a championship and no one has to achieve a highscore. If anything, the goal might be to enjoy oneself together, which is a team effort that plays out differently for everyone.
But she really has a worrisome history with panties. She might be helped a great deal by the invention of elastic bands.

Oh my gosh lol the female lead and her mom.
TMI I'm also a virgin at 21, and I would be mortified to have such an in-depth conversation about sex with my mom. Maybe it's necessary, but it would be so uncomfortable.