About 2 years ago, I noticed a bump on my index finger. It occured shortly after I burnt it, so someone wrongly told me the growth was scar tissue. I believed him, and it remained for some time. About mid last year, I used Freeze Away, and the ducktape method to get rid of it; and it disappeared, and has yet to come back (disappeared July 2009). Well, not to long ago I noticed a tiny cluster of 3 white bumps on my glans penis. They are very small, and hard to notice; but since I'm aware, I notice it very easily. You have to look closely, and usually spread the glans to see them, but they are there. I don't know exactly what it is, but could HPV have been spread from my index finger to my penis head through masturbation, or such?
I've looked online, and found conflicting reports; Yes they can spread anywhere, and No, hand warts will stick to hands, as they're a whole different strain. I'm very concerned, but can't afford to go pay medical bills to just have it examined. I highly doubt they're an external STD, as me and my gf were both virgins when we started dating.
Could someone please give me advice, or help on the matter, as I'm very scared I gave myself a life ruining STD.