Urethra Health Concern

It is hard for me to see a doctor, so I hope someone can help. I am 21 and I have issues with my urine. sometimes throughout the day I will pee a little bit in my underwear, or leak other fluids. I believe leaking white fluids is normal, but I assume the peeing is not normal. I have issues with knowing when I have to go until I REALLY have to go because when I was in school I got so used to having to hold my pee all day (thats like 12 hours) but now even minor physical activity causes me to release a small amount and its embarrassing. The whole area is embarrassing to talk about and I have issues with it, including issues with my urine health in general in terms of my own hydration. I wear panty liners everyday as a form of a diaper almost. It just sucks so much because its embarrassing and im young, i shouldn't have this problem.