I second the RICE advise and see how it goes if you're worried about bills. How possible is it for you to relax off it for a couple of days and see if seems to ease?
I'm interested in the perceived difference in a break and fracture? I'm not sure if it's a British English v American English thing, but to me they mean the same?
Have you been taking painkillers? Something with an anti inflammatory should work well if it's swollen.
I hope it's not a break, and heals soon
