my husband of 25 years passed away in 2003 of nodular malignant melanoma...the deadliest form of skin cancer. The picture you sent definately warrents a look from a Dr., and possibly a dermo, but it doesn't look to me like melanoma. Believe me, I've done a lot of research myself on skin cancers. My husband was blonde, fair skinned and green eyed, five of my six children are fair and blonde, so I am diligent about checking their skin. I myself am native american and lebanese, so my skin type is totally different, but I still check myself. If your spot gets black at all, bleeds, or keeps changing characteristics, please see a Dr. I'm sure local clinics or hospitals will work with your finiances since you are a student. Don't wait better safe than sorry. We thought it was no big deal too!