They could be warts, but if they are the size of a pencil eraser, that's pretty big for a wart.
Do you have info on your insurance yet? Does it cover pre-existing conditions? If it does, see if you can find a doctor who will see you as a self-pay. Many doctors will offer you a self-pay discount, meaning you pay considerably less than what you'd pay if you had insurance (or they charge self-pay patients normal rates and jack it up for insurance - you can look at that however you want lol).
I'm not sure you'll know for sure what they are unless it's biopsied. Obviously, that's going to be on the more expensive side of things. If your insurance does cover pre-existing things, get it checked now, and see what the doctor says. If it needs a biopsy, ask the doctor what they think about waiting for the biopsy, or about how much that would cost, keeping in mind that there would be lab fees as well as doctor fees.
If they weren't changing, I'd be more comfortable telling you to wait, but since they are getting harder and more are appearing, I don't feel so good about you waiting.
Alternatively, you could try an STD clinic, many of which are free or low cost, but I'm afraid they would tell you they are anal warts without a second thought, and just try to burn them off.
You could also call your local health department and ask if they have any services for those without insurance, and see if they have any dermatologists working with them.
Let me know what happens.