Many doctors in the US will negotiate prices.  My mom once had surgery and the insurance wouldn't pay the whole bill because that doctor charged more than avarage. She talked to his billing people and they cut the bill to what the insurance paid. 

You do want to have this looked at and find out what it is. Some things will heal properly without treatment other things won't. My father in law waited when he hurt his ankle and it turned out something was torn and now there is scar tissue and the doctors can't fix it. He has to live with the pain...or where a brace which just reduces the pain.

I understand that money is tight. Talk with the doctor and work out a payment plan if nothing else. 28 is awfully young to start a life of permenant pain

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