Steam burns can be really bad, and you need to see a doctor for this. I'm not sure why you didn't go in the first place, but since lots of creams for burns aren't meant for the genital area, and you need to determine the extent of the damage, you need to see your doctor.
If lack of insurance or finances are an issue, call your local health department, and ask them what kind of services they offer for those in your situation.
I'm sorry this happened, and I hope you get some relief soon. Let us know what happens.