You are fortunate that your keloid is only the size of a pea. Many times they get much larger and have to be cut out because nothing else will work.
For a small one like that there are several options. Freezing can be done, but will leave a sore that may take a month to heal. Most commonly in dermatology offices, small keloids are injected with cortisone. This is repeated monthly two or three times until it is gone. Finally, some people have been able to shrink them at home by wearing "pressure earrings." These are clamp on style earrings that shrink keloids as they are being worn.
To find a doctor in your are who has experience with treating earlobe keloids, Google "American Academy of Dermatology" and use their zip code search feature.
Fortunately, keloid treatment is normally covered by insurance. Even if you have no insurance, something like an office visit and a shot would not be costly and they could probably give you a "most common" price over the phone.