First off, there's no need to make things sound worse to grab people's attention. That's just never a good idea.

Can you take a picture? It sounds like she got caught on something in the cage. You may want to identify what that is and remove it. As for treating her, I don't believe it's an emergency that requires a trip to a vet (and yes if you think it's that critical you should be on your way to the ER - never let anyone disuade you from seeking a professional opinion) It sounds like you would be fine switching to paper towels until her next shed, and then see how it looks.