cheek pain, no swelling, discovery of upper wisdom tooth

so i did have xrays about two years ago, i have no dental coverage so i just went in for a routine check up,  no cavities, things are fine but the xray revealed i had two wisdom teeth the one on the left side of my upper jaw, a little lower than the right.  i did not have the funds at the time to get the surgery they wanted, so now i find myself with a sore cheek muscle and i felt around my gumline last night and my wisdom tooth made it's appearance, it's halfway out sticking through my gumline.  i guess my question is would this make it easier to extract now that it's pushed through the gum?  i have no insurance so i'm going to call around see who can work a payment plan for me, i'm terrified, never had anything extracted before.  just wanted input.  thanks. :(