Terrible Phimosis since childhood. Help.

Hello doctors, I just have one small question related to a very personal issue. I have had a terribly tight foreskin. Since I was a kid. I feel like it was looser as a kid and as I kept growing it has gotten worse. It keeps getting tighter as I age. The area below the foreskin is extremely sensitive if I touch it by accident. It hurts a lot. It's like I have a quick reflex to move away from it the moment I touch it it's like burning your hand by accident. I tried solving this issue a long time ago by using the stretching method I was either told or I researched about. I tried stretching for days. Then I told myself, "I am young anyway I will think about it when I reach my 20s". I am 21 right now and my parents talk about marriage and stuff and I am really worried. Masturbation is not that problematic cos I don't stretch it more than I should. But if I stretch it a little too much it hurts like I punched it. So the idea of sex is scary. Makes me think I will stay a virgin forever. Help.