Suffering for too long

I am a 23 year old female. I am pretty thin, and appear to be in good shape. (105 lbs) I was about 15 the first time I had a hemorrhoid. Everything about my lifestyle contributed to it- being home schooled a the time, not eating a balanced diet, straining often... It was external, and my mom took me to the doctor, who wasn't at all phased, and said there was really nothing that could be done. No one gave me any answers, tips, or solutions but my mom got me tucks medicated wipes which hardly did anything. As time went on, I did little to improve the condition and it only worsened. I was depressed, alone, and really unaware that I was making things much worse. After a few years and having researched it on my own, I tried creams like preparation H, which didn't seem to do anything, and tried to eat a more balanced diet. Now at the age of 23, I have multiple large and painful external hemorrhoids, and according to my doctor a month ago, internal hemorrhoids as well. Since they began, they have caused me more grief and embarrassment than I ever though imaginable. She prescribed me "anu-cort" suppositories, which seem to do hardly anything except cause leakage, and also gave me a business card for a local establishment called 'surgical specialists.' I suppose I should consult them before making a decision, but I am at the point where I am in so much pain, embarrassed every day, and just ashamed of myself, and I think surgery might be the only option left for me. I am afraid of complications, and I also have no idea about costs- I am insured with a low plan through my work, but I'm not even sure that would cover any of it- however, I would pay absolutely any amount of money to end my misery. Any feedback would be appreciated, thank you so much.