I'm 21 and lately I have begun to develop serve fine lines under my eyes. I've tried roc retinol cream, sculpting cream, and nothing helps. Any ideas?

Not enough info. It would be a good idea to see your primary care physician to give you the answer. Lots of minor and major causes may be the cause.
Use sunscreen! Use high spf sunscreen. Generic Retin-A should help, but at your age, if you have high sun exposure, 30+ spf sunblock used daily will help the most! also, smoking will causes collagen crosslinking and early wrinkling!