I'm 13 too and I have found a few ways that help (it'sreally hard if you do it by yourself, but if you get someone to helpyou its a lot easier). I think they might include it in a regular checkup, but that's just my guess. It probably is extra but who knows.
If I have to cut Pepsi's nails by myself (I don't do it often becauseit really stresses her out) I usually just put her on my lap and takeher front paws out and gentley spread thenailsapart by gentley pressing her paw and just take the tips offso I don't have to cut into the quick. I do the same with the back.Sometimes she tries to struggle so I usually get my mom to help me.
If I have two people, I wrap her in a towel and clip them while she's in the towel. Someone hold her, someone clip her nails.
If you do cut into the quick, take a q-tip and dip it in water then some flour to stop the bleeding.