E.M.
23 is young to have problems, but are you breast nursing?...that is known to do a number on hormones that allow for lubrication. In some cultures that allow polygamy, women who are nursing are not expected to have or want sex. (The pressure is off.)
You could always get a second opinion on the estrogen/pain thing, but HPV...I am not sure that is a big issue. There are many varieties of HPV... it is said that many women defeat the virus eventually, without help. Only some varieties cause cancer...was your provider able to tell you what/which type you have?