Yikes, maybe I should see a doctor about it then even though I'm pretty sure it's only gyno. But I live in Toronto, Canada--I'd have to wait a while even if it turned out to be that kind of lump.
I know a girl who had to wait a year, and that's after she was first told that it was nothing and decided to try to get it removed anyway. After they removed it they were like "good thing you went through with it or you'd be in trouble in a few years".
She's pretty hot.