I think the topical medications work best. And removing the dead nail, while applying the topical directly to the fungus helps a lot! Of course, antiseptics will kill fungus too and normal hydrogen peroxide is very good at killing fungus and is very cheap. It says on the bottle of hydrogen peroxide that you can gargle with a solution of it, diluted with water. I don't know anything about drinking it.
What's the deal with soaking your feet in baking soda or vinegar? I tried salt water foot soaks and, while they seem somewhat effective, I thought the prescription topical Penlac (which comes in a generic and is relatively cheap and should be approved by all/most insurance) was effective, but of course, not a cure. Apparently, there isn't one. However, Penlac does seem to be good at forcing the fungus into major retreat and it seems that I can go for months without applying any and still be in pretty good shape. Still, for now, it does seem like a "life sentence."
I notice that the fungus seems to spread from the nails to the skin, if left untreated for a while. However, I use a generic/drug store brand spray with Miconazole for the active ingredient and that seems quite effective. Some of the other anti-fungal sprays don't seem to work for me, like Tinactin, which has a different active ingredient (turns out it isn't so tough! ha ha).
Apparently, toe nail fungus is "contagious." So, if you pick at your nails with your fingernails you can get it under your fingernails too and if you scratch at your legs, it seems you can wind up with fungus growing on your skin. Hence, I often sleep with a loose pair of socks on. I am always careful to use nail tools and clean them with hydrogen peroxide when I am done and of course, dedicate a pair of nail clippers to toe nail duty only.