Crotch area of jeans uncomfortable?

I'm a girl, and in any pair of jeans, if I put them up to right below my belly on, it feels very uncomfortable on my crotch when i'm walking, but if i don't take it up high, i get a baggy backside from it!! i'm starting 8th grade tomorrow, and i need help with this!! i don't like the material poking me in the crotch when i walk!! what should i do? (I also like to keep it a little higher because of a little muffin top problem i'm taking care of; my jeans also have kind of low crotch's)