nipple discoloration and soreness

hi. i'm 27 years old and have had a discoloration in both of my nipples for some time now. they are cracked and have a yellowish/green hue. i have had a small rash on my areola but it had gone away with the different types of creams i've used to make this problem go away. they are most often sore, very sensitive and sometimes have a burning or itching sensation, but no discharge.

i started doing mass amounts of research after i realized that no matter what cream i used it isn't going away. is it possible, only being 27, i could have paget's disease of the breast? i realize it is most commonly found in older women but i seem to have all the symptoms except the discharge. i just can't seem to find any info on what the discoloration looks like.

i know that i will have to see a doctor about this, but i am part of that 70% of the american public who doesn't have health insurance. any information that anyone has would be very helpful in how quickly i will need to get to a doctor.
thank-you.