I can't do this much longer and I don't really know what is next
It sounds like you're stressed out. What is it that is bothering you?
I'm not ready to settle down
You don't have to settle down if you don't want to. It's good to have a plan for your life. Don't go along with anything that doesn't feel right to you, or you could end up being miserable.
But I need to settle down.
Do you have a close family member that could talk through this confusion with you. Sometimes it's really helpful to just be able to say everything out loud when you're conflicted like this.