HELP 😩

I’m really embarrassed about my neck. LIKE REALLY embarrassed. It started last year in the summer and I thought it was due to it being hot and sweaty so I thought all the sweat and dirt built up. I clean it and scrub it everyday. It kept getting worse and worse. As winter rolled in, it wasn’t going away. I shower everyday and I even tried making baking soda paste and nothing i do works. I can’t even wear a ponytail in public because I get stares. Any nurses or doctors out there that could tell me what this is?? I really dont want to get it checked out because 1. I don’t have insurance and 2. I just hate anyone I know looking at it 😭 I feel like as time goes by it’s getting worse and spreading all over my neck. I feel like crawling into a hole. I started dental school and I had to have my hair up for the first time in a year and I felt people staring at me and I dont want anyone to think I’m dirty because I’m not I shower and scrub everyday. 😰