I think I have a hernia. About a week ago I noticed a tenderness along the right side of my navel, it feels like I have an internal bruise-ball there. I haven't been doing anything strenuous or lifting incorrectly or anything. I can't afford this!

I would get it checked out. If your bowels push through the opening and twist you could be forced to have a section of bowel removed in emergency surgery, which would probably be more expensive than getting it taken care of in a non emergency situation. Not to mention less life threatening. I'm sorry this has happened at an inopportune time. I wish you the best of luck.