One trick that I've acquired when I break or chip a nail is to not cut it to the stub of your finger. I thought that if I did that I would have cut off the broken nail part. Wrong. You just spread the chipped or broken nail further up your nail, the best thing to do is to let it grow out as long as possible and then cut above the chip. Do not "rip" the broken nail off because it will spread and it might hurt.