How can i reverse or solve my TMJ problem?

I used to wear braces for the longest time and they corrected my overbite and straightened my teeth out. Now i wear a retainer to keep my teeth straight. A few months ago, quite a few actually i started having jaw clicking sounds. Now the right side of my jaw... it like slips out of place every time i open it or chew. and now my left side is starting to click now as well. So i am scared. What can i do to fix this? I know what you will say go to the dentist or doctor. I am a student. I have no health or dental insurance. Should i wear my retainer again full time, instead of once every few days? Are there any home remedies for this? Please let me know. On a side note there is no pain associated with it.