You may have jock itch. cream available over the counter at pharmacy.

May also be something else. If you have no money go to gov hospitals.Its RM 1 only. Max RM10.

something like this?

You can get this and apply twice a day after shower. You have to dry your skin completely before doing so.
Cheapest you can get is RM10 at watson or guardian.

If you want to do it organic way, apply coconut oil on it twice daily. Coconut oil have antifungal properties.

since you saying u r studying  early 20s? why not talk with ur parents and tell them what happen?
if the rashes are like right beside/really near to your genital? if yes i wont recommend using any of those cream above coz most of then have steroids in them which make ur skin become thin and area around genital are very sensitive.
if is not near to your genital, if just around ur inner thigh or above ur genital then you can try out those cream but if u feel burn once applied wash it off quickly. 
Furthermore the cream that we recommend may not suit your need. so is better to see a doctor.

btw how do it get that? since you say u dont hv any intercourse and u r a clean person? 
did you shave recently? or the place you dry ur cloths?

Just go to a government clinic and if you prefer a female doctor, tell them. It's only RM1. What are you waiting for?

They will check and if it really is fungal infection, you will be given a fluconazole tablet (to be swallowed - a single tablet is enough to cure you) and you will be given the clotrimazole (anti-fungal cream).

Or you might be given the anti-fungal tablet to be inserted into your vagina (NOT to be eaten).

Hi TS, what's your location currently? There's a Klinik Wanita Metro in SS15, Subang Jaya. I hear the rate is cheaper than going to see a specialist. The doctor herself doesn't specialise in O&G however.

My gynae is also based in SS15. Specialises in O&G and has his own clinic (yep, he's male gynae but very good at his work). My pap smear cost RM300++ so I'm not sure how much it'll cost for your case, probably less if only consultation and medication, without lab test.

If you want, I can give you the clinic's number and you can just call in for the rates. Perhaps you can just try asking if there's a student rate.

1. What you have is a fungal infection. Continue to use CREOBIC cream ten days AFTER you stop itching. This is to ensure the fungus dies. If you stop too early, it will come back again.

2. If the itch comes back again, then you can go into pharmacy and buy CLOBETASOL CREAM 5mg, it is a steroid cream that will definitely treat fungal infections. 5mg will not cost more than RM15.

3. If you go to a clinic, they will still sell you the steroid cream and charge doctor fee.

4. Lastly, fungal infections can start because your pants/jeans as well. Wash them regularly with soap and dry under sun to kill bacteria and fungus. Changing underwear is not enough.

5. I had the same situation as you, and this is what I did to solve the problem

Just try not to use too much steroids. It'll thin your skin, one of its most common side effects. Doubt you want that area's skin to be thinned further lol.

You may consider any Natural Aloe Vera soothing gel, it helps me to get a clean skin back on my private area. Previously I went to specialist, got my steroid cream but the rashes were still there.