First don't panic, you can think about treatment a long time, even years, and treat it at some future date. I have been using topical antifungal medicine on my nails for months without results. Almost without exception this fails to eradicate infection deep in the nail bed. Most creams and solutions are considered a waste of time and money. Similar to toenails but for only two to three months because fingernails grow more quickly.
Cure rates are very high.
I'm 40 years old and my toenail infection is so bad that the nail keeps coming off. No nail will regrow. People do perfectly well without nails, though it looks a little strange at first.