I would go to urgent care. If it is a cyst, it is something of a risky place (close to blood supply, close to lymph nodes, etc). Try hot compresses and see if it'll come to a head. They might prescribe oral antibiotics if it's large or you have a fever associated. I understand if it's financially difficult to see the urgent care, but if it's just a question of not wanting to make a fuss over nothing, please err on the side of caution.