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Greetings, I'm Dr. Peck, a small animal veterinarian in general practice. This is very concerning in a guinea pig. Unfortunately, it is common for them to develop pneumonia. To be safe I'd suggest separating her from any other guinea pigs. You'll want to keep her very calm and quiet. Offer her favorite fresh produce treats. If you have a humidifier or vaporizer that may be of some benefit, or you could steam up a bathroom with a hot shower running. I would get her in to a veterinarian as soon as possible, likely to get her on an antibiotic. If you have a local clinic that sees emergencies, or an on-call vet available, this abnormal breathing and this degree of lethargy warrants seeking emergent evaluation in person.
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If possible at the least I would try to get her in for an exam and get her started on an antibiotic if the vet feels it's warranted, which seems likely to me. I know in my clinic we charge less for exotic animals exams because 1) we don't see them often and thus our experience/expertise is limited compared to dogs/cats and 2) their examination can often be more limited depending on the breed. You would be looked at a very minor charge for some baytril (antibiotic) liquid mixed with a little cherry syrup for flavor (most guinea pigs love). If this isn't doable consider Care Credit to help with costs. Unfortuantely I've seen a lot of guinea pigs with respiratory infections, including a personal one that I owned... it is common and can be quite serious. I would separate the mother yes but if no clinical signs just monitor for now.
You should be looking at definitely less than $100 total for an exam and antibiotic for a guinea pig in most areas.
I would suggest calling local clinics and asking for a quote for their examination/consultation fee for a guinea pig, and if they have veterinarians that see guinea pigs. Any general practitioner that sees guinea pigs likely won't be running up a bill like that in this situation, an exotic specialist would be another scenario. But, especially with cost being a concern, just let them know that up front you want to keep the care conservative / minimalistic... honestly for exotics this is common / typical, at least in my area - people are much more willing to spend more money on a dog they'll have for 15 years compared to a "pocket" pet like a guinea pig. You let your vet know what level of care you would like for your pet.
Look for somewhere that is AAHA accredited and you'll be in good shape (AAHA = American Animal Hospital Association).
In NY you should have no problem finding vets that are comfortable seeing exotics, even on emergency. I'd bet you could find a nearby exotic specialist as well but you'd be paying more for that for sure.
I'm on the other side of the country unfortunately.
Unfortunately guinea pigs have very little reserve when they are this ill. You need to seek emergency care at this time or she may pass away at home. It would not be wrong to seek emergency care on the basis of seeking someone to humanely euthanize, especially given financial concerns. I am very sorry.