Can your doc order physical therapy? I tore my rotater cuff and it really @! hurt. Then I went to PT without much faith but it really helped. I love the ultrasound treatment. I would walk out of there feeling better than ever yes it only lasts a few hours but man o man those few hours without pain were heaven. If your in pain you won't sleep well and quite frankly turtles need their hibernation or they get very ill.
Don't worry about
money. I know it the hardest thing to do but have faith and you will find you have just enough to skate by even if you have juggle a few things. Things have a way of working out.