I'm 21 with under eye bags, loose skin and crows feet. How do get rid of these without surgery? (photos)

Although blepharoplasty (eyelid) surgery is the only treatment that is long lasting there are a few things you can do that are of temporary help. Make sure you have an exam to make sure that you do not have weak eye muscles, ptosis, as your cause by an exam by a board certified specialist.
Lower lids: Ceramide creams for the lower lids which in minutes as they dry the clear membrane tightens the lower lid skin minimizing bags and wrinkles. This lasts from 4-8 hrs and can be reapplied as needed. Radiofrequency, laser and peels tighten the skin with minimal downtime. Fillers for fat transfer #lipoinjection, to the lower lid to fill in the cheek-lid depression that casts shadows also helps many.
For the upper lids, Botox in the crows feet area just below the brow will gently lift the lateral brow and lift a bit of the hooding on the side of your eye. This lasts about 3-4 months. Make sure you go to an expert injector associated with a Plastic Surgeon, Facial Plastic Surgeon, Dermatologist, or Ophthalmologist skilled in injections.
#BestNonInvasiveEyelidOptions

Hi KH.  With your age and situation, we would recommend Restylane injections under the eyes.  The fine lines you see when you smile are not the crow's feet (those are at the sides of the eyes) and these are really difficult to completely remove because they are part of your genetics.  You can soften and improve them with Restylane and at the same time camouflage the dark circles.Take a look at the link below for before and after pictures of Los Angeles and Orange County, California patients with the same issues and how we helped them.  

For
the crow’s feet, I would recommend about 12 units of Botox per side. As to the other issues you describe, this may
be inherited and costly to correct. It
also may not be in your best interest to try to correct. The bags under your eyes could be
festoons. You need to see a Plastic
Surgeon to make a proper diagnosis as to what caused the bags. I think Botox and some form of filler should
meet your needs without straining your budget.