Why not try your local Planned Parenthood (1-800-230-PLAN)? Generally those clinics operate with low costs to you, or on sliding scales. No insurance necessary.
Being afraid of doctors isn't much of an excuse not to go, in the long run. You've got a choice...you can see a doctor (that's the only person who's going to be able to tell you what's going on), or you can not see a doctor. I spent years being afraid of doctors, but eventually it came down to one very simple question...how much did I value my health, quality of life, and life itself? My answer was that I valued it quite a bit, and therefore I decided to suck it up, be an adult, and take myself down to the doctor!
The bottom line is that the only way you're going to know what the problem is, and find a solution for it is to see a doctor. Plain and simple, that's it. Whether it's actually in your vagina or on your labia isn't that much of an issue...it's still on your genital region, it still needs to be looked at by a professional. It could be a really simple problem, it could be a bigger problem, you won't know till a doc checks it out.
Beyond that, yes, you can catch STDs through non-sexual means. HPV is not the only STD around. Some STDs can be contracted through sharing a towel. Some can be passed from mother to child. Some can be contracted through a kiss from your grandma (or any other relative for that matter).
Scarleteen Advocate (and Labia Lady)
"The whole world is full of morons...they just congregate on the internet cause it's easy for them to push the buttons."