Thank you for asking. Not able to recall, or difficultly in concentration in your age group, is suggestiive of an anxiety problem than a memory problem. Poor concentration, which is a core symptoms in anxiety disorders, often presents as difficultly in memorizing, poor academic performance, etc. A possible general anxiety disorder or other anxiety problem is strongly suspected.
Next Steps
You must consult with a psychiatrist. A detailed workup of your compliants, associated risk factors and severity of u your symptoms is required to decide a specific management plan. It can be cured with suitable therapies and if needed medications can also be used for short term. It is important to understand that it is completely curable, but it requires a consultation with expert, and it may worsen if left untreated. Depression, isolation from Society, etc are very common sequale of untreated anxiety problems. It does cause personal distress and functional impairment. For more detailed answers and specific management strategies, you can consult me here on practo directly.
Health Tips
Do not worry. It is treatable. But kindly consult with a psychiatrist. Thank you.