Hi C., My husband had very bad nails .I am a licensed cosmetologist so i started giving him pedicures on a regular basis (monthly). It helped a whole lot. He didn't have insurance at the time.Make sure you clean all your pedicure utinsils with alcohol after every use.Finally we got insurance & went to a Dr. he had to be put on medicine for 6 months! They had to regularly check his liver as well. The medicine without insurance was $400.00. His nails are still not all the way healthy. Before all this we tried every home remedy there was & it did not get rid of the fungus.I wish i had better news. Rubbing tea tree oil on them will help also. Try this & see what happens. I know the feeling not being ablr to go to the Dr. Good Luck! P.S. My husbands nails were very bad! Maybe yours aren't as bad.