Skin growth around vaginal opening

[ConnieLingus]

During the recent years, I've noticed a gradual growth of skin surrounding my vaginal opening. Pieces of it protrude out in different directions. A couple are as long as almost half an inch, and about the width of a soda straw. These pieces of skin are the same color and consistency of the rest of my inner vagina, and do not appear to be infected. They are sensitive to touch. I do not believe that they are genital warts or herpes. There aren't any lumps or bumps on my inner or outer labia. They surround the entire circumfrence of the vaginal opening, and as far as I can see inside. One in particular is causing problems- It is at the top of my vaginal opening, and covers my urethra. Recently, I've found that it's easier to urinate when I bend down. I suspect it's because of this vaginal "growth". Over the last year, I have suffered from multiple UTI's that won't go away. My urethra is very sensitive, and it is painful and uncomfortable during intercourse.

I don't know what this could be. I do not have insurance at the time, and cannot afford to see my OBGYN right now. Please help. What could this be?