It is going to be impossible to get a diagnosis of whether or not she's misscarrying over the internet. It sounds as if she has what's termed "a missed abortion". It means that yes, the fetus was conceived, implanted and failed to trive(died) for one reason or another. In most cases, the fetus was deformed in some way and it's a natural process. You keep saying you can't go to the doctor but you must, and soon. If you can't afford it, go to planned parenthood. She needs to be looked at because if this is the case, she may get very sick if she doesn't miscarry on her own. She will need a D&C to get rid of the fetus. Sorry you're going through this. It's sad when you want a baby very badly. Good luck.