T.H.
Hi S.,
It can be painful simply because of the mass pushing into your delicate skin. Skin that's usually protected by a toenail. :)
Regarding cutting it, this sounds kind of random, try using dog nail clippers. If that doesn't work you may want to invest in an electric nail file and you can file it down. If the fungus is coming from under the nail try to clean away as much of this as you can after showers when it's soft. It's uncomfortable and a little gross but eventually the fungus is at least a little under control and your nail should eventually become more flat. From what I understand about nail fungus, it comes from within which is why the topical treatments aren't working. I've tried them all, none of them have worked and I have lived with bad feet since I was in high school (I long to wear flip flops!). The best I've been able to do is keep it at bay with constant maintenance. I've recently read that hydrogen peroxide can help and I've been trying that for the last 2 weeks (to early to tell if it's helping).
Regarding the medicine, it works for some people and not for others. My father-in-law has nail fungus since high school and tried Lamasil (I think) and it cleared up for years. But, eventually it did come back and from what my Dr. told me, that is common and to be expected. The good news is, it's not nearly as bad now.
So, let me know if you find anything that works. :)
Best,
T.