Ask your dentist about payment plans. Many dentists are starting to offer payment plans such as "Care Credit". If you have good credit this is an excellent option. At most offices that I've worked at, the first 18 months are INTEREST FREE. Which means you would be able to get the work that you need done before the situation gets worse and have a year and a half to pay it off with no interest. Waiting can be bad; the tooth can get to the point where it is unsaveable and needs to be extracted/pulled leaving a space which can cause other teeth to drift and lessen your chewing ability. You said you have no dental insurance so it won't matter too much what office you go to. Ask your current dentist first about Care Credit or another payment plan but if they can't help you, shop around. If you find an office that can offer you a better payment option, you can have your x-rays and other info sent from your current dentist. Hope this helps! Good luck!