I'd do something a lot simpler than laser treatment especially given the cost. The problem with a nail fungus is that it's often under the nail, and creams don't get to it. You can try an OTC remedy - ask the pharmacist (make sure it's an experienced person and not an intern from the pharmacy school). But I'd watch it for a week and make sure it doesn't get worse. Otherwise, start with the doctor. You could start with your primary care, or you can go to a good podiatrist (you may need a referral, depending on your insurance) - a podiatrist can diagnoses, prescribe if necessary, and also trim that nail as needed, all in one visit.
This is a lot more common than you think so don't get grossed out and have trouble saying it!
You can also supplement nutritionally to help nails and skin, working from the inside out - remember that your skin is your largest organ. You want patented (so it's safe, effective and unique), and something made in the US (not made just anywhere and then a US company puts a label on it. If the label says "distributed by..." that's not enough. You need to know where the plant is located and what the FDA inspections showed. You want liquid nutrition (powder you mix in water, not something pre-mixed because the potency goes down), and not vitamin pills which are not absorbed more than about 25%, and therefore are a waste of money. They may seem cheaper, but if you're only getting 1/4 of it, multiply that cost times 4!! My nails are much healthier since I've been supplementing.