From your picture it appears that you may have a roll of muscle under the skin of your lower eyelids. I would recommend you hold off on doing anything about this subtle feature. You are still young and likely to experience changes in your facial features over the next several years.
Thanks for your question. From the picture it looks as though the "bag" might actually be muscle rather than fat. I would not do anything at the present time, but you might wish to see a plastic surgeon who can conduct a proper examination and make appropriate suggestions. Hope that helps.