Anak, I can hear how worried and stressed you are right now, and that's completely understandable, pero please trust your OB on this one. Your doctor is monitoring baby closely with those NSTs twice a day para exactly dahil concerned sila sa baby's safety, so they know what they're doing.
A few of us moms here nag-deliver around 36-37 weeks din kaya alam ko ang anxiety, pero yung steroids they gave you? That's helping baby's lungs mature, which is important. Your OB wants to reach 37 weeks para mas ready na si baby outside, at mas mababa ang risks.
About those heart rate dips during NST, ang concerning part yan pero that's WHY they're monitoring twice a day. If anything changes or they see something worrying, they will act. Don't hesitate to call the nurse immediately if you feel anything unusual or if your mama instinct says something's off.
About the hospital bills, I know it's heavy, but please talk to the hospital's billing office or social worker there. Maraming options or assistance programs available para sa cases like yours, promise.
Stay strong, mama. You and baby are in good hands.