Well, I have insurance, so all I had to pay was a $20 copay to have the procedures done. However, in your situation, I would call a planned parenthood in your area and see what options you have. There may be more options than you think. Does your college offer student health insurance? That might be another option...
Anyways, the cervical biopsy didn't hurt. They just take a .V.E.R.Y small sample of your cervical tissue, smaller than the "o's" in this size of font. They put numbing gel on my cervix before taking the sample, so I didn't feel anything.
The cryotherapy procedure feels like bad period cramps. They freeze the cervix for like 30 seconds at a time, and they usually do that twice. This causes the "bad" cells to die off. After the cryo, you usually have a clear, watery discharge for about a week. It's annoying, but nothing painful.
I hope this helps. It's really important to get this taken care of while it's in the early stages, trust me.