How to manage low-grade ACL sprain with intrasubstance tear?

Hi doctor,

I had an MRI on my left knee after experiencing pain, swelling, and instability after playing soccer one evening. I am a 25-year-old female.

The MRI impressions state that mild to moderately increased intrasubstance signal with fraying and expansion of the ACL and probable low-grade partial-thickness intrasubstance tear at the proximal to mid-ACL, with small partially septated fluid signal structure within the posterior intercondylar notch and sagittal image measures 9 mm. It says I have a low-grade sprain of the ACL with probable low-grade partial-thickness intrasubstance tear and either a small ACL ganglion or small loculated effusion and synovial stranding within the posterior intercondylar notch. No meniscal tear or osteochondral injury. Quadriceps and patellar tendon, PCL, and medial and lateral collateral ligament complexes all appear intact. There is mild synovial thickening and edema at the anterior medial tibial margin tracking deep to the infrapatellar fat pad.

I have now received conflicting diagnoses from three different orthopedic surgeons. I have instability in my knee and pain and swelling, I have now undergone six weeks of physical therapy with no relief. One surgeon thinks I have patellar tendonitis which is causing the instability and I do not need surgery because the ACL tear is not bad. One surgeon thinks it is my ACL that is causing the instability and it needs to be reconstructed. I am not sure what to do or who is correct.