BeautifulMess - find out where you can get a fissurectomy and try to get them to let you follow it up with Premarin cream. It worked for me. I am 21 and having the same problems. It also sounds like you might have trouble with primary vaginismus. I would suggest visiting Vaginismus.com for more information about dilators and teaching your body that sex doesn't have to hurt. There is a forum full of supportive women that are very helpful in getting each other through this tough time.
Edit: BeautifulMess your story also sounds so much like mine with a big scary extra hold down there. Don't give up hope. You can find a solution.

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