Developed a stutter at 20?

Developed a stutter at 20? I think I developed a stutter but I thought they were something you were born with. I'm struggling, because I don't know if it's really a stutter, it's like I can't get my words out and my tongue stops working so my wording kind of glitches? It's ruining my confidence for work because I can't even talk to my managers without it happening. Is this what a stutter is, or is it just repeating part of the word, I just want to know what's wrong with me, it started maybe 5 months ago and just gets worse every day.