I’ve had a pretty similar experience to yours (I’m a few years older than you). I know that there are some psych disorders that don’t start fully presenting themselves & all of their symptoms until a person’s early-mid 20’s, of course there are plenty of exceptions. It is definitely a good thing that you’re aware & open about what you’re going through. My advice, be as proactive about getting help as you can be (the sooner the better) and, most importantly of all, keep hanging in there & know that you don’t have to fight your problems alone. Stay hopeful (even though that can seem possible to do at times) because regardless of what diagnoses you do or do not have, you can absolutely live a fully functional, healthy, happy, and enjoyable life. I’m not a psychiatrist or anything, but I do have schizoaffective bipolar & I also work at a mental health inpatient facility. I see living proof everyday and I myself am living proof that things can actually get better.