What could be some reasons for no l lubrication at age 20?

for the past year ive worried constantly because i can't get wet enough. it always hurts and lately especially i cant get wet at all. ive tried to look things up online but all of it is about menopause and im worried that ill never be able to fix this problem. i don't want to use lube, thats so embaring at my age. i need help!