Ok I've been looking at this surgery for at least a year willing to do whatever I have to do. In self pay I have no insurance and the policy thru my job has it excluded anyway so im looking for any and all info on the ways of coming up with the money. I know which doctor I want to use I don't have great credit at all right now so any creative ways of making or borrowing money would be great. Im so ready to get gking. Thanks for reading Erica

You could take a loan from a 401k ...low interest and payroll deduction to pay back with no penalty

Sell some stock if you have it

Apply for medical credit like care credit

Use your tax return for a down payment then talk to the hospital about interest free payments on balance

Cash in a CD or bond if you have one

Best wishes in finding a financial solution.

I'm not sure where you're located, but here in Canada we have private clinics that do in-house financing. When I first expressed interest in getting the surgery, I didn't think I'd pass the credit check in a million years! I've been off work for 2 years on permanent disability, and have a few skeletons in my credit closet. But I was surprised when the application went through. Be prepared to put down a deposit, and your monthly payments could be high, but you can negotiate with many clinics.

I've also read that it's cheap to go to Mexico and other South American countries for surgery. Of course you'd have to pay for travel and possibly accommodation.

I was fortunate and my car had enough paid off and enough value that I could refinance it and use the money for the surgery, rates are really low.

Thanks everyone Im going to keep trying and looking and come up with something.