This Is Something I've Been Worrying About Every Day And

This is something I've been worrying about every day and even cry of embarrassment. I am 17 years old. I had my period when I turned 16. I was able to put in tampons a little easily but when it was time to take them out, it would get stuck and hurt so bad I would cry. I went to gynecologist last month. He said there was nothing wrong but I am very tight and it will hurt very bad to be fingered or have sex. He said when I am older if I don't naturally stretch out, I can get the surgery. I currently just started dating a guy and he wants to finger me an I told him I'm tight but he doesn't understand I might not be able to be fingered. I don't know what to do. I want to get the minor surgery to stretch out my vagina. My hole is very small and my mom won't let me get the surgery done. I don't want to wait till I am 18. This is w big problem for me. What can I do to stretch it out if I can't even finger myself.