I'm a healthcare professional. I can't give you any concrete advise without checking your vitals, having lab results...etc. I understand money is tight. I know as I'm feeling it now too, and I thought the healthcare field was immune from a recession. I don't know what part of the country you are in, but here in FL, some of the Level I trauma centers run free clinics. They even dispense medication at a fraction of the cost. Start calling all of the hospitals in your area and ask information about any programs they may have. Don't give them any explanation... just say you don't have health insurance. Now, in the unlikely event you can't find one...a pharmacy chain that starts with C and ends with S runs what they call minute clinics staffed with nurse practitioners. It's not going to be free there as just the flu shot is about $30 without insurance (so think in the hundreds), but if it's not something requiring immediate assistance, you will not spend the cost of an Emergency Department visit. More than likely, they will end up referring you to a specialist (Cardiologist), but at least you will find out if you should be seeking help immediately. I am like you. I had crappy insurance when I was a student and one time I refused to go to the ED, but I nearly died from dehydration after having major food poisoning. I realized later how incredibly stupid (please forgive me for the strong words as I say this out of concern) I had been by not seeking medical help. What will it matter if you get in debt? Living is more important. I graduated with nearly 150k of student loan debt. I still have about $120k. After 8 years of schooling, I am not practicing because there is a glut of healthcare professionals in the job market. In addition, some of the patients in South Florida that I was dealing with were extremely aggressive and the great majority were just addicts looking for pain pills (I had death threats because I refused to be a part of the oxycodone saga). I was starting to feel more like a DEA agent than a healthcare provider. I'm seeking a different area to practice in right now. I have felt desperation so I relate to your struggle, but please please don't put your life at risk because of money. Depending on your circumstances, you may also qualify for Medicaid. The symptoms you describe could be a number of different health challenges...ranging from panic attacks, anxiety disorder, cardiac arrhythmias (irregular heartbeat), heart failure, pericarditis (inflammation around the heart), pulmonary issues, GERD (acid reflux), costochondritis (inflammation of the ribs)...etc. Just to give you some perspective, there could be at least 100 different possibilities. You need to be seen ASAP. Please let us know how you are doing. Hugs.