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Aww loan questions!



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I have just started looking for a loan to cover my surgery! The surgery is going to cost $13,550 I have called surgeryloan.com and they wanted a ridiculous interest rate. I have good credit but because I?m only 20 I haven?t got my credit built up yet but my Dads going to co sign and he has excellent credit but the surgerylaon.com told me that I can get two loans out to equal the full amount one at 16% and the other 23%!!!!! Ok hellz no I wound never be able to pay that off I?m getting the surgery to better my life not to drown in debt! So my question is what loan place did you use? Do you have any advice? What interest rate did you get? Anything you can tell me will help! Thanks Amanda :crying:

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I can't help you either. Even tho I was a self pay I had some stocks I sold to cover my dept. I didn't want to go thru loans and payments etc. and I got a good deal paying in cash.

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Hey I know this is way late post. I am a self-pay patient and I got a loan through Wells Fargo, I tried Surgery loans, medfinance, etc. all those other ones that you see and they all wanted 16-23 % interest. Wells Fargo wanted 13%, I also was approved for a loan with Care Credit but the Dr. I went with did not take Care Credit. Care Credit wanted 13% interest so I thought I might as well go through Wells Fargo and go with the Dr. that I wanted. My loan was $10,500 (Dr. Alanis cash fee was $11,500) I saved 1,000 on my own. My loan is 5 yrs, 13% interest, payments are $244.00 a month. I have lost almost 50 pounds since I have started looking into surgery and I am about 20 pounds from my 1st goal of 150lbs. My surgery was 3 1/2 months ago and although I miss the extra $244 in my bank account, I am so glad that I went through with the surgery! Good luck! :blush::thumbup1:

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I got a personal loan at my bank. I put the loan against my car. Interest rate is 11%. My loan is for three years unless I can pay it off sooner.

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Is there any way your bank can extend you or your dad a line of credit? I did that as I too have an excellent credit rating and got my loan for 4.25% interest. My sister got one on her mortgage and got it for 2.5% interest. Worth talking to the banks loan officer about it, you never know.

Cheers,

Donna

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I can't help you Chickie, but I'm in the same boat. Worse, actually as my family does not approve of my choice and so I cannot get a cosigner. I don't know what to do if I can't get a loan for the last $5000 I haven't been able to save!

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      · 0 replies
      1. This update has no replies.
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      · 2 replies
      1. Selina333

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    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. LeighaTR

        I hope your surgery on Wednesday goes well. You will be able to do all sorts of new things as you find your new normal after surgery. I don't know this from experience yet, but I am seeing a lot of positive things from people who have had it done. Best of luck!

    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
      1. This update has no replies.
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