As already said and I totally understand it could well be down to your insurance but please find away to get to a free clinic or something ,
Your nails could be showing signs of a much more serious condition else wear in your body ! .
It isn't worth the risk of ignoring it .
And no one here is qualified to diagnose , yes we do normally cover signs symptoms (basically recognizing contraindications and contra actions ) in our training but it is NO where near as complex as a medical professionals training or understanding .
Don't risk your health darling please call around hospital / Dr tell them you need it looked at and see if they have any payment plans or charity's that can help cover costs if that's the problem .