<human>: Can you condense the text into a few key points?

Hey r/AskDocs, need a little help.  I've had a stye like bump on my eye for a few months now.  It look just like a stye.. redness with a little bump, which I've had in the past.  The difference is, a little time with a warm washcloth on the eye has gotten rid of it in the past, but thats not working this time.  

Normally I would just run into the clinic, but unfortunately I was recently laid off and without benefits, so Im not ready for huge medical bills coming out of my pocket.  

Im not sure at this point what it is, hoping its minor.. maybe just a clogged tear duct?  Any ideas about what it may be, or how to treat it myself would be GREATLY appreciated.  If you think its something I really need to get checked out right away (before I can find another job with medical) let me know that as well.
<bot>: Stye-like issue with my eye that wont go away (3 or so months now).  Laid-off = no benefits, so I'd like to treat it myself if I can.