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Bless your heart! I understand, it is a very expensive procedure. I was self pay and am now paying off a hefty loan but at a good rate. I got my loan rate at 3.0% from Randolph brooks. . not to shabby. . . What prereq's do you have to have the surgery? All I had to do was to show up. Different doctors I guess. Do you have lots to loose? I had about 180 lbs to loose, have lost 110 so far. Not too bad, thank god i'm tall! heheheh