Sleep paralysis help?

ok lately ive been having sleep paralysis frequently..my family doctor says that is due to stress but lately when i take a nap during the day i get in the state where my body is paralyzed and i hate that feeling..no matter what i cant get used to it..should i see a specialist or does it wear off?? i dont have money to be seeing a specialist but if its something really serious i need to know if it is..i read online that is really not but i want to know from real people's experiences with this. By the way i dont get hallucinations when im in the state of REM but the first time it happened to me i would hear a loud humming noise but not no more..all i get is a scary panicky feeling not being able to move my body.