Found a lump?

Hi,

im 21 and have recently found a small hard lump the size of a sewing corsage pin tip just under/to the outer side of my left nipple on the 14th feb. 

I have both nipples pierced and i have been having discharge/crustiness coming from them for about 6 months (TMI im sorry!!). I have had them pierced for 2 and 3 years with little to no issues until recently. I have read up about this as much as possible but im not sure if its related to the lump or if it could be an infection. The lump itself can only really be felt if i put the skin between my finger and thumb, it is slightly noticeable to sight. 

In my other boob there is a mass of hardness, my nana passed away from breast cancer way before i was born so i wouldnt even be able to find out about genetics as i know some genes can be passed down. I am worried but not sure if a doctor will do anything because of my age.
 

Please get back to me, thank you