If we are certain that the affection is a fungal nail infection
(onychomycosis) then the treatment options you have presented are not exhaustive. Firstly, neosporin is more of antibacterial rather than antifungi while lotrimin (clotrimazole
) is an antifungal agent. For chronic onychomycosis
you will need both oral and local treatment. Drugs to consider is oral griseofulvin
etc and local creams such as ketokonazole, miconazole etc, treatment given for weeks to months till an improvement is noticed. Fungal nail infection can be very resistant to treatment as so requires aggressive antifungal regimen. If after taking the above recommendations you do not feel better, your doctor will have to sample a specimen from your nails and analyze in the laboratory wth cultures and sensitivity tests done.
Hope this helps