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HELP PLEASE! Question about serious vaginal issues...?

I'm starting to freak out. I feel embarassed to even talk about it... but I need help to figure out what's happening to me. For the sake of professionalism (and staving off my embrassment), I'm going to use medical terminology to explain what's happening to me. All I ask is that the people who respond to this ?'ion be respectful and tactfully honest in their answers. Okay here's the whole situation. I'm 20 yrs old. I noticed a small round bump on my perineum (the space between the vagina and anus) as I was cleaning myself after using the bathroom. I havent checked to see what it looks like, but from what I felt I know it's smaller than the size of a pea. I barely feel any pain from it unless I put pressure on it or wiggle it slightly. Even when I do that, I don't feel much discomfort. On a scale of 1-10, I'd rate the pain at a 1 or 2. This isn't the first time it has happened though. It's happen twice before. I was 17 the first time it happened and the bump (a singular bump) was located on my pubic mound instead. It was more diagonal in shape and was raised. I thought it was a mosquito bite or something to that effect so I didn't tell my mom about it. It grew a bit, then shrank and went away in about 2 or so weeks. I didn't think much about it after that until I noticed it again on April or May of 09' (20 yrs old). This bump (which was round this time) was located in the crease between my inner and outer labia. It grew and shrank at around the same rate as the first incident. (also a singular bump) I've done research on various vaginal diseases and honestly I don't know what to think. I've ruled out STD's. I haven't been sexually active for two years. I've only had sex twice in my life when I was 18 yrs old. I have a feeling that I've probably had more of these bump, lump things or whatever you wanna call 'em between 17-20 yr old time period but I just didn't notice them. I honestly wouldn't of known I had this bump if I didn't disturb it when I was using the bathroom. Who knows how many of these things I've had since I noticed them (or how many I probably had before I noticed the first incident). I didn't go to a GYN for the 2nd incident because I was kicked off my health insurance and I had no source of income to pay for a visit. I still don't have health insurance and my job doesn't pay me enough for daily living let alone a doctor's visit. I don't care anymore... I'll just go into debt do the GYN visit anyway 'cause i need to know what the hell is wrong with me. Sorry, I didn't mean to write a novel. For anyone who actually read this far, Thank you. Any theories or ideas would be HIGHLY appreciated. :)

Public Comments

1. I'm not a pro of herpes but you can get it from having sex just once and even though these "bumps" come and go doesn't mean your in the clear. If you've ruled that out completely, perhaps they are just razor burn? That was my first guess because it is very common in that area. Or maybe just good old fashion pimples. Yes, these little guys do pop up in the weirdest of places! Good Luck!
2. Possibilities: A pimple, an ingrown hair, a sebacious cyst (you have a zillion sebacious glands 'down there'. They sometimes get irritated for no reason. They're about pea sized, feel pearly and under the skin, and don't hurt too much unless they're infected. They'll come and go as they please), a boil, a blister, a wart, a skin tag.... Google image those and see if they match up. You can probably find a free sexual health clinic. Go to Planned Parenthood, they have free pap clinics or can refer you to one. You can also apply for medical assistance. Check out the funding in your state. Breathe in, breathe out. :)