Thanks for all the input, everyone! I really appreciate it! I have decided to NOT take a prescription for this at this point. I only have it on one toe, and it started at the top of the toenail (big toe) and went about halfway down. After looking at all the options (and thanks for that video, Marty!), I decided to try the bleach.
What I did was take a really rough file and I filed the surface of the nail bed really well. Then, I cut the toenail down very, very short. It was all dead with fungus under it anyway. Then, I took an old nail polish brush (won't be polishing those toes anyway, LOL!) and cleaned it with polish remover and then washed it with soap and water.
I filled a little bottle with 75% bleach and 25% water, dip the brush into it and then push the brush down under the toenail which I couldn't get cut off. I do this two or three times morning and night, along with brushing the bleach on top of the surface of the nail and all around it. I do this morning and night. I also will get the tea tree oil and plan on using that along with the bleach, as soon as I can get out to the store.
I think part of the reason this fungus flourished was that all winter I was never without socks. I even wore them to bed as it was cold! I realize I'll have to leave the toes uncovered in order to not encourage a moist, dark environment for the fungus to flourish, but man! It's only 60 degrees in the house today, and pouring rain, so I need my toesies covered! (We refuse to start the furnace. We heat with wood and don't want to start a wood fire at this time of year).
I was wearing sandals in the yard the last few days, to air the toes out, but I think that in the long run that might be worse, as I was gardening and my toes were covered with wet mud.
Just an "aside" story.... last year we went about a mile down the road because a new retired couple moved in there and I had "met" her on a local bulletin board/forum. The lady answered the door barefoot, and WHY my eyes went to her feet I have no idea, but I have never seen a worse case of fungus in my life! Honestly, all ten toe nails were yellowed and thick and raised up off the nail beds. It was the most hideous thing I've ever seen, and so I'm freaked out and don't want to be heading in the same direction. On the other hand, I know it was something she probably had absolutely no control over, and I felt so badly for her!
And then a few weeks ago I saw a very heavy-weight man in his mid-30's, walk into the gas station in front of me. He was wearing shorts and sandals, and his toes were the same, and not only his toes, but his heels! I honestly cannot imagine how someone's heels could get that bad, but they were SO cracked and SO dried out. The skin was so thickened on his heels that it looked as if a full quarter inch of the depth of the skin was dead. The cracks in those heels reminded me of cracks in cement after someone takes a jackhammer to it. They were literally so deep you could have slipped a dime in them. In reading about toenail fungus, I read that it can spread to the heels and cause back yellowing and cracking, and I'm sure that was the case with this man. And here I'm obsessing over one stinkin' toenail when others have so much more to deal with. There but for the grace of god.......