You might just be dehydrated. Whenever I don't get enough to drink or I'm in a low humidity location, my skin around the eyes becomes loose and a bit wrinkly. Perhaps you could try drinking more water to see if that helps.
^^Prevage is good. The Prevage MD is waaaay better. I've tried both. Not sure but I think you can only get Prevage MD from a dermatologist. I did. Pricey but it works so it's worth it.
You're in your early 20's. Maybe try Neutrogena eye cream. Costs less and you should still see improvement.
Also, don't forget - a light facial sunscreen to prevent skin damage. Skin has memory, so we 20 somethings stand to pick up skin damage now even when our skin is young.
Yes! I used to never wear sunglasses and finally a couple years ago I found a pair that actually fit on my face. Most of them are too big for me and I feel silly in them. But anyway, I used to have that crease between my eyes from squinting and now it's so much better. I'm getting little lines around my eyes but I'm 35. I think it helps though.
I also use Oil of Olay eye stuff, whatever it's called. It seems to stop your skin from moving as much or something so the little lines don't show as much.