Penis tight foreskin problem

Patient: I an 25 years old. The foreskin is tight when I try to pull it back. What should I do? It is causing pain if I forced that back. Also I cannot pull the foreskin back when it is erected. When I pulled back the skin when not in an erected position I saw white sediments in the side of the head of the penis. ­čÖü What Problem I have? and what is the treatment or solution as this is kind of embarrassing since I am 25.

Symptoms: Pain while pulling back the foreskin of penis