Back Pain And Abdominal Pain

Hello,
let me first say thanks for reading this and trying to help. I have a question and hopefully someone can guide me in the right direction. I do not have insurance unfortunately (i'm a poor graduate student who works for 2 private families so I can't afford insurance and the insurance they offer thru school is a joke) so I really need to know if this is something worth going to the doctor over. I've had back pain for over the last week in a half that has progressively gotten worse and moved into my left side which is now swollen. I have a temp of 100.8-100.8 w/out advil which brings it down to 99.1. I am unable to lay on my stomach b/c the pain is a 12/10 on the pain scale and even laying on my back it's a solid 8-9/10. When I walk I look like an old lady meaning that I walk stiff w/ back arched, my butt out, and I walk slowly. The pain gets worse throughout the day. I have no problem peeing, nor do I have a higher frequency in the amount I pee, and I don't have diaherra. The pain on my side is horrible. I feel like there is a rubber band going from my obliques to my spinal cord and the rubber band is too short. My stomach feels like it's just full of air and needs to be popped like a balloon. I have had ovarian cyst before by since being on the pill now for over a year i've had no problems with them, and the doctors at one time thought I had endometriosis but i'm only a 24 year old female who doesn't want to have a child anytime soon so I said no thanks to having surgery for it since it'll only come back and surgery can be thought about once i'm ready to have children. But back to the problem at hand when I poop the act of getting the poop out (i.E. When pushing) it hurts and feels like pieces of my intestines is being pulled out. I have no constipation and I don't see any blood in my urine. I've had uti's and it's nothing like it at all. With constant use of pain meds, taking a hot bath and than applying a ice cold towel on my back it's tolerable. I am just worried this is something major and i'm doing my self more harm by not going to the doctor now but I don't want to have a huge bill to pay off for the rest of my life for the doctor to say he can't find a cause or it's just a pulled muscle. Any ideas? Sorry about the detailed long post but i'm hoping the more precise I am the more help it is to diagnosing the problem. Thanks again. :)