The difficulty in inserting studs into your ear holes may be due to increased friction or the formation of keratin plugs from skin debris. Applying petroleum jelly to the earring post can help reduce friction, and if there's a plug, you can try pushing the earring through from the back to clear it.
dermatologytimes.com
Causes of Difficulty in Inserting Earrings
Increased Friction
Using products like Zinc2^ and coal tar can lead to skin changes around your piercings. This may increase friction between the earring post and the skin, making it harder to insert earrings.
Keratin Plug Formation
Another common issue is the formation of keratin plugs in the earring holes. Skin cells naturally slough off and can accumulate, blocking the hole. This can make it difficult to insert earrings smoothly.
Solutions to Ease Insertion
Lubrication
Apply a small amount of petroleum jelly to the earring post before insertion. This can help reduce friction and make it easier to insert the earring.
Removing Keratin Plugs
If you suspect a keratin plug, try pushing the earring through the hole from the back to the front. This can help dislodge the plug and allow for easier insertion.
Additional Considerations
Earring Type
Consider using smaller stud earrings, as they are generally easier to insert and less likely to cause damage to the earlobe.
Consult a Professional
If problems persist, it may be beneficial to consult a dermatologist or a professional piercer for further advice and potential treatment options.
dermatologytimes.com

I’m very allergic to metals and can’t wear anything but 14 and 10k gold. My allergy test said I was very allergic to nickel.

That's interesting. I would think that if anything it would help. Is the zinc and coal tar drying out your skin? Which in turn could be closing up your ear piercing holes. Just a thought. I know zinc p was drying out my scalp so I wouldn't be surprised. I don't wear earrings often and when. I do I havese.trouble putting them together n but that's because it's been a while so I try to make sure to put earrings in every now and then so the holes don't permanently close up.

I'm sorry. My piercing are all over 20 30 yes old. No sensitivity or allergic. Just tightening of 2 holes.