ok so I lied... Urine is cloudy...
This is most likely a kidney stone. However, you at least need to get checked for a Urinary Tract Infection, because untreated, it can spread to the kidneys, and cause major trouble. The fact that you have no fever does make an infection less likely though. Many people are able to pass kidney stones on their own if the stone is small. If you have a sudden increase in pain that is unbearable, or a large amount of blood in your urine though, you'd better go to the ER. Do you qualify for any state program like medicaid? Some hospitals also have income based fee scales, but you may have to call around.