Could I have chipped bone(s)?

I am a 21 year old female. Close to a decade ago I was rollerblading and fell hard on both my knees. I was seemingly fine after...just sore and bloody but I remained active in competitive high level soccer for years after with no problems running. My only chronic problem is pain sharp deterring pain in my kneecaps (specifically the right one) when kneeling or applying any type of hard pressure to the kneecap. Sometimes it flares up and is annoying sometimes it's not. After about 10 years of this I figure there is a problem. It's hard to get to a doctor about this because i've just relocated to Cali for school...i'd get x-rays but even the best insurance doesn't cover complete cost and i'm BROKE...does anyone think it's chipped bone floating around? I'll seek help eventually but...