scared 21 year old in need of advice

about a year ago I noticed a small bruise on the top of my foot, just below the hairline on my leg, it wasn’t really noticable but it didn’t go away, then it started getting bigger and forming a white area on the inside, it’s not round, it’s iregularly shapped, and firm to the touch, with the bruised area extending around it, the white is like I said firm, but not hard like bone, and the skin that has turned white is just a little different in texture, I have no health insurance at the time, I just turned 21 and am no longer on my parents insurance so i’m looking into health insurance but it’s so expensive.
i’m very scared that it might be cancer, if it were benign it wouldn’t grow right? I get a little pain but not much, here and there, not constant, and not that much, just a dull ache from time to time, i’ve changed shoes twice since noticing it, so it can’t be them.
i’m scared to even go to a doctor, I know what he’s going to tell me, that it’s malignant and i’ll have to go through chemo, my wifes aunt went through it, I don’t know if I have the strength to deal with that, but I can’t ignore it, my daughter needs me to be around, I want to see her grow up, I want to be able to be there for her.
i’m just to scared to go to a doctor