Hi SunnyD
Torn toenail careIf the nail isn't easy to trim off, please tell your owner to see a vet...
Massachussetts Veterinary Assoc.discusses negotiating payment terms for vet care.
Plus, it really shouldn't cost anywhere near $200 for this to be done....unless there is some serious damage, in which your 'master' shouldn't be trying to fix it on his/her own then ;) Likely in the $50-$80 range if you have an average vet. :)
hth and good luck. Watch that mad dashing for a bit there ;)
toodles