Mate, I'd advice you to go to the Doctor and have surgery. I have had a hernia since I was 15/16 and I'm 25 now - I didnt have any problems with it really, but the last few days it started hurting around my abdomen and felt like it had grown all of a sudden - I went to the Doc's and will be having surgery to get it sorted within the next couple of weeks.
It's important to actually get it sorted before there are any serious complications take place, such as it getting trapped and 'strangled' by the bowl which can cause gangrene and you'll need emergency surgery. This should be a good enough incentive to get it sorted now dude, and you'll have the added benefit of piece of mind.
I dont have health insurance but that will NOT mean I have to find some cash from somewhere to pay for surgery - either will you. Just go to the doctors and see what he says... man it boils down to this: whats more important being alive and healthy or being in a situation by leaving the hernia alone, that could possibly cause complications and lead to emergency situations later on? There's no question...just go to the Docs and have him check it out, dont worry about money, put your health first, thats a priority.