Does a vpn really matter when torenting? Do people care?

I know this is a dumb question... But i cant really aford a vpn like at all, is it possible to torrent without using a vpn in the USA or will i get in some trouble and go to jail if i torrent without a vpn?

The reason i cant get a vpn is because im just broke and im young enough to live with family so i cant really get a job.