The dream of most young men, which you inherently must embody that role, is to somehow land yourself a MILF. This is really the holy grail of coming up in the world to many. Frankly, it's a false pedestal. There is no reason from the ages of about 17 on up you can't land yourself one, actually I think its even easier. You can offer a youth and exude a personality that she only has past recollection of once having. That in and of itself is a turn on. In my past experiences it was having the perfect mix of finding what she once had and was once attracted to, yet demonstrating an intelligence and foresight beyond your years. Be playful at times. Be wise beyond your years at times. Once you get to that point of a mutual attraction, which you CAN, drop the V-Card bomb (depending on how wild she is) I guarantee she will be swooning all over you!
Now.. Is it worth it? That's for you to decide stud. We all have a set moral guideline of what is ethical and what we find right and wrong. I would urge that you definitely think thoroughly as it really is a moment in life, whether its awful or absolutely awesome. We all have our stories
I would venture to guess she knows what she is doing though!
Best of luck! Just think it through. Play it cool. Embody a mix of what she once had, what she once was, yet have a demeanor and swagger about you that you have foresight beyond your years and see the bigger picture in the world. Women love direction and ambition.