I'm sorry about your financial situation, and hope that improves.
Now, for the right-sided pain. I'll save you the many hours of looking at what Dr. Google has to say about it, and say this: it is very common, for people who have had their gallbladders removed and for those who have not. These people (I was one) run from specialist to specialist trying to find out what's up; an they read and post on forums everywhere. Those who eventually rid themselves of this problem come to realize it is anxiety and chronic stress. It sounds like you have an overload of that right now. What is happening? Because everything is connected, your upper back muscles are responding to stress and tightening and pulling the muscles and nerves on your side and front as well. This is part of the "flight or fight" reflex, which is well known, and would be worth your looking up.
That said, if you can get a check up, imaging and blood tests will tell you how your pancreas is doing, quickly. I highly doubt you have any trouble there. Your doctor, however, is right.
You can do a search through this site about right-sided pain, or even left-sided pain, and you will find many entries.
Try to learn how to get anxiety in check and practice relaxation and be active in trying to solve some of the tough problems you're saddled with now, and I think you will find improvement.
I'm no doc, but I've had the famous right-sided pain. Ain't fun.