Odd vaginal odor? Help?? Opinions?

I'm 17. I've been suffering from an odd odor in my vagina for quite a few years. It's starting to get really strong. I am NOT! sexually active. The most sexual activity I've had is being fingered once and I masturbate quite often, it that effects it. I'm afraid to have sex with my boyfriend whenever we plan is the right time, because I'm afraid he will notice. After I orgasm when I masturbate the smell gets a lot stronger. When I clean my vagina with a washcloth or loofah, the smell is disgustingly bad. When I get out of the shower and I wipe off my vagina, it is still really bad on the towel right away. What do I do?? I'm afraid to talk to my mother about it. Should I go get a pap done?