What is wrong with me? Why am I in so much pain?

I am a 21 year old female and i find myself in excruciating neck & upper back pain almost every day. i wake up on the verge of tears not being able to properly move...and eventually the pain dulls. I used to tell myself that it was from sleeping on on my neck or on a stiff mattress ..however, after a about a year i don't think i can force myself to believe that anymore. i also notice that my neck is starting to sort of "hunch" over quite dramatically..like you would see in a little old woman. i do not have insurance, so going to a specialist is out of the question. i will have to wait till fall semester starts so that i can go to my student health center. If this keeps up, i fear that i will not be able to live a normal life. Can anyone give me any advice as to what i can do to help with the pain (besides taking over the counter pain medication which i already rely on hourly)