If the apple really ended up in your lungs, you'd instantly start having trouble breathing, not to mention you'd have some serious gagging, just like any other time where something enters your windpipe that shouldn't.
However, this is certainly a concern. I'm only an ambulance attendant, not a doctor, so I'm really not sure what exactly your problem is. Either way though, YOUR HEALTH IS YOUR FIRST PRIORITY! Don't worry about your credit card debt, pardon the way I'm putting this, but it won't matter how much debt you have if something happens to you.
I suggest that you go to your local hospital emergency room to get this checked out.
Wishing you my best,