Hello Jenny,
Sorry to read about the pain that you are having. I commend you highly for taking care of your disabled niece. I applaud you for doing so.
You did the right thing by having the MRIs taken. That is a most important first step. Thank goodness your PA is recommending that you see a neurosurgeon. That in my opinion is the next important step.
Jenny, I can understand that the $300 for you at this time is money you do not have. However, my concern is that if you wait the "cost" to you both physically and financially may be substantially greater. Can you talk with the neurosurgeon and work out some acceptable financing plan? It would be worth a try. Tell him/her of your situation and hopefully they will be understanding.
Also, is there some way you may qualify for Medicaid? Or perhaps call your county medical board and ask them if they can recommend some options so that you can see the recommended neurosurgeon.
I wish you and your family the very best. Please do let us know how things go for you.
RichT