I agree with Ladymom~you need to take her to the vet. Fleas are very hard to get rid of and if left untreated they treatment and cure will continue to become more costly.
I'm sorry to say but you cannot expect any other answers to your questions other than to take her to the vet. In addition your entire house will need to be disinfected and properly cleaned to rid your home of unhatched fleas. Otherwise they will never be gone. She must be very uncomfortable and the risks of tape worms and anemia will continue to increase as the flea problem multiplies.
As for your lack of funds for a spay there is a sticky about low cost spay programs. I would suggest you take a look at that as well.
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