<human>: I'm 23/female/5'5"/~125 lbs. Non-smoker. I've always been in pretty good shape and up until college I was a ballet dancer and very active. I slowed down in college but still tried to exercise when I could and didn't gain much weight (maybe about 10 lbs altogether).

Since my new apartment building has a free gym, I've been working out every night for the past month, but I've encountered a problem: my heart rate has been off the charts.

I've been using a treadmill with a heart monitor and it gives my resting heart rate at about 90. If I bring myself to a quick walk, it shoots up to about 150-180. If I try to run, it will be in the 230-level. I can only keep it up for about 3 minutes before I feel dizzy and completely winded.

I thought maybe it was just a dysfunctional treadmill so I tried another one of a different brand and got the same results.

I'm out of shape, but I don't think I'm THAT out of shape. Could this be indicative of a bigger problem, or should I just work out more, taking it slow? 

I won't get insured until January because of my job situation and the way my insurance works (it's kind of complicated), so I'd really like to avoid seeing a doctor until then, but if I have to, I will.

Can you give me a shortened version of the text?
<bot>: My heart rate jumps up to the 200-level when I run. I don't know if it's because I'm horribly out of shape or if it's because there's something medically wrong.