I know that feeling, bro. It's frustrating how much wisdom tooth removal cost in United States, isn't it? Especially when you have no insurance. I have the same problem as you do, and after looking around I think my best shot would be going to Mexico and get it fixed there. It is a whole lot cheaper, although you still have to do some research to get good oral surgeon there.
I would not go to mexico to get my wisdom teeth extracted. That is the worst advice I have ever heard. There is a reason they are cheap; they do not have the same standards of care. There are serious complications that can happen, like numbness of chin, tongue, and face. THESE ARE PERMANENT!
The white spot at the back of your throat, it is not bilateral which makes me think it is a tonsil stone aka jolly body. google it.
Also, some general dentists will do wisdom teeth extractions. I would see if you could find one, in the US, as this would be a cheaper option. I only suggest this because it looks like yours have erupted (are not impacted) and I as a general dentist I do this almost daily.