Before the HPV vaccine came along -and the vaccine doesn't protect from all types-and this is coming from my doctor- practically EVERYONE pretty much has HPV who isn't married to their high school sweetheart for their whole lives-boht virgins at marriage- with neither one ever cheating. Even having only a couple of partners has exposed you to hundreds and hundreds of other people.
Basically, HPV causes 99% (or maybe all) cervical cancers, BUT, it MOST OFTEN does not cause it. It usually doesn't if you count the number of people with HPV vs. people with cervical cancer. My doctor said, "It rarely causes it".
Having your check ups still gives you the chance to catch things early on, which is the case for any health ailment that could be causing this reading. Don't worry about your HPV. Don't pre-worry about your results. Cancer can strike anyone any time for many reasons. The best thing you can do is eat well, exercise, keep your immune system strong and keep up with your check ups.
Do not delay the colposcopy. I've been without insurance my entire adult life but always went for check ups and procedures and simply paid monthly for my bills whenever I had them. Still do if I can't pay an entire bill at once, like 3 child births-one c-section...monthly medical debt is still less than private insurance (with outrageous deductible so I'd still be paying for all visits etc) would cost. You have to take care of yourself even though healthcare coverage in this country sucks!