white stuff in my underwear

Hi my mom told me she wants to take me to the doctor because she saw white stuff in my underwear when she was doing my laundry and I feel really bad about it and embaressed. I get this white stuff all the time so I thought it was normal but now im scared and I really dont want to go to the doctor because its so embaressing but has anyone else seen this before and am i going to be ok? im 13