Circumcision is the last thing you need, and I doubt you really have phimosis.
True clinical phimosis is when the foreskin cannot be retracted enough to even see the urethral opening,.....and is very rare.

It is also a condition that can ONLY be accurately diagnosed in the mid 20's.
False phimosis,....the naturally tight foreskin of younger men, is what doctors use to scare people into circumcision, so they can collect their fee for mutilating the penis.

Circumcision is an aberration of medical science, and a link to barbarism in cultural acceptance.
There is nothing wrong with you that some simple foreskin stretches cannot solve.
You have a naturally tight foreskin, just like every other intact (not circumcised) man on the planet had at your age.

Over 85% of the males on earth are intact so you are on the winning side. The other 15% are envious and wish they still were intact.
Follow the information in the links below and work the foreskin stretches into the daily shower routine.

Let the warm water loosen and relax the skin before stretching.

Stretches are to be firm, but gentle, with no pain. Pain is a damage indicator. Over stretching till it hurts can create micro tears in the skin opening that will heal over with non elastic scar tissue, making retraction more difficult. No pain,...ever.

What will happen is the Frenar Band (google it) of muscle that closes down the skin opening will relax and expand enough to allow the foreskin to glide effortlessly back and forth over the coronal rim of the glans.

You should see some good results in two weeks, with full and painless retraction in 3-4 months. If it takes longer just keep stretching.

Do not listen to anyone who claims you need to force the skin back to clean under there. Nature has this well in hand. The foreskin/glans combination produce a powerful anti microbial compound called Langerin. Langerin wards off bacteria and keeps this area clean and disease free.....just like you are now. 20 years of not retracting to clean under there, and still free of infections tells you this is working for you.

If you do decide to see a doctor, you can ask for Betamethasone Steroid cream. It can be applied to help loosen a tight Frenar Band. You need to do the stretches in conjunction with cream use, so why not just try the stretches first?

Many under skilled doctors will tell you circumcision is the only cure. That is BS. It means they lack the skills and training to help you any other way than to take a knife to your penis. Be very firm and tell them it is not an option. Find a real doctor if necessary.

If you do get the prescription for Betamethasone, insist on proper instructions for its use. If your doctor is not supportive of you doing this, dump them because they don't have the skill to treat you appropriate to the situation. Never be duped into circumcision.

You should silently thank your parents each day you are alive for having the wisdom to leave you whole, complete, intact, normal, natural,....and not allow some under-skilled hack in a lab coat to mutilate your genitals before you were even out of the delivery room.

Best Way To Cure Phimosis

It is usually caused by rubbing the head in masturbation instead of the shaft. Your penis responds by covering up the head so as not to damage it. Best way to cure phimosis is to cut down on your masturbation (for a while at least until the foreskin retracts). If you are to do it, don't rub the head.
If you pull the skin back and the eye is red on each side of the slit that is a sign of damage to the blood supply vessels If this is the case you have been masturbating too much (and with too much pressure).

As I say, the penis head is supposed to be as hard as possible which then helps it force it's up through the skin. If you damage it by applying too much pressure in rubbing the head, it becomes softer (also more sensitive) and it isn't hard enough to push through the skin. Often the erection isn't hard enough either - also due to damage to the blood supply vessels which occurs by applying overdue pressure often for prolonged periods of time.

Your penis needs time to repair. So go easy on the little guy. As your penis repairs itself you will notice how the head seems to be more engorged and consequently harder which will expand the foreskin. Your head will then eventually peep through.
 

Tips To Cure Phimosis/Tight Foreskin

Manual stretching: This is probably the most desirable treatment alternative available since there is no cutting involved and because it’s a do-it-yourself technique that doesn't pose a health risk. What you do is very gradually broaden the opening of the prepuce (but not elongate it) so that it can be retracted from the glans and begin working again like a normal foreskin. There is also a device available to make foreskin widening faster and more successful that’s called a Glansie; it’s made specifically to deal with phimosis. As a final note on the DIY method: you have to be gentle with yourself. Forcing your foreskin down too hard could result in it getting stuck beneath the head–from here, blood circulation will be cut off, and your penis will develop gangrene and may possibly fall off if you don’t get an emergency circumcision. This condition is called paraphimosis, so by all means, be careful with your junk.

Steroids: Employing topical steroids and non-steroid anti-inflammatory medications has been found to be efficient in curing the bulk of phimosis cases. External application of medicated creams has proven to be useful as a treatment option. This is frequently used in combination with manual stretching for maximum possible success.

Preputioplasty: There seems to be a “-plasty” surgery for almost anything you can imagine, and the foreskin is no exception. Done under local anesthesia, a slit is made vertically in the foreskin and artery forceps are used to widen the opening of said skin sheath. The rationale of this procedure is to loosen the prepuce sufficiently to make it movable without cutting anything off.

Circumcision: If nothing else works to cure phimosis, this is a last resort–and it means losing your foreskin. Under anesthesia, you’ll have the prepuce cut off and the unavoidable wound stitched shut. Yes, your penis will have stitches in it, presumably not the most soothing thing to hear. This is done in only a small number of cases where stretching, topical treatment and minor surgery have failed…so you can relax since there’s a good chance your snakeskin will not necessitate bloody surgery.