Sounds like a panic attack to me also. I am on klonopin everyday and if I have a really bad spell I take a couple xanax. My signs are a smothering feeling, heart races, butterflies in my tummy and I can't speak very well. Sometimes I just breakdown and cry for no particular reason. It is very scary. I know you said you don't want to pay a doctor (other than the ER) for a diagnosis but it might be worth it as they can give you a definate yes and maybe give you something to take to stabalize your mood. I've heard people talk about
St John's Wort. It's just an over the counter herb, but they say it works. Maybe look into something like that too. Anyway, good luck and may your attacks be few and far between!