Lump in breast. Hard n painful. Lump sits beneath the areole. Theres a boil-like white-ish head on areole. Is this just a boil?

Possible. At 36 you may hve infection (boil ) of periareolar montgomery gland infection , must see your doctor to make sure have nothing serious, and if it is to drain (and antibiotics ) which will give relief to your pain.