Found small lump..

Hi,
Im  a 25 year old male and have discovered a small painless lump on my right side of my posterior cervical node.  It is a hard, rubbery, movable lump between .5 – 1 cm.  I first took notices of it about 3 months ago and have kept a close eye on it.  It has neither increase nor decreased in size.  Have not had any night sweats, fever, itching or any other symptoms except this lump.  I have concerns about the possibility of lymphoma but have very basic insurance that only covers hospital visits.  I was however able to consult a friend that is a physician.   He suggested that it’s a bit too small to worry about lymphoma and to wait to see if it gets bigger.  I understand that the only way to diagnose this definitively is if I get a biopsy but I would rather not have a 5000 medical bill if there is a low probability that is cancerous.   Anyone with advice on my situation please comment.  Thanks.