Malar bag or eye bag? Which non surgical procedure can I do? Budget is low and issue is mild

A lump appeared under my right lower eyelid only. Im not sure if this lump is malar bag as it is not in the cheek but I’m my tear duct area or eye bag which is only under one eye. The doctor I’ve seen said it’s fluid or fat trapped and nothing to do. He never heard of malar bags. I booked a Radio Frequency and CACI (microneedling) +DIBI Filler Code Eye/Lip Treatment which is the only treatment near me I could afford. Would that help? And more importantly can it worsen the situation?Added pics