No ins yikes .. can you find a dr that will pro bono /discount for you.
It really sounds like you need a MRI at the very least - if not one of those more detailed imaging scans.

If you go for surgery try to find the best dr you can get.
It may help some to do the diaphragmatic breathing and gentle posture work and gentles stretches.
You can have a family member help to eval your posture.
head aligned with shoulders
shoulders relaxed and aligned with hips
chin slightly tucked down - not jutting up or our

the head should be in a state of balance over the body - that helps reduce strain on the neck.