@Armenta90201, first welcome to CCF. Second, yes your coin is really beat up. With that said, it looks like the clad layers may be slightly unbonding. We have seen the application of high heat cause this, but I'm not sure that this was done to your quarter.
"If you climb a good tree, you get a push." -----Ghanaian proverb
"The danger we all now face is distinguishing between what is authentic and what is performed." -----King Adz
Coins are like cars. Certain ones are more desirable than others. Cars are worth more in great condition. But a wreaked car is less desirable. Coins have different values in different instances. No one set price for every coin. Even coin guides are not much help if you don't know what lowers or raises the value, even on BU coins.