Hi guys.. i havn't been on the boards in at least 2 months.. i'm stuck at that really really frustrating point... I want the surgery end of story.. It's so frustrating when your insurance doesn't cover it.. and i have no rich ppl in my life to ask to borrow... anyone in the same frustrating position? I think this might have actually made me gain weight lately.. i have a sense of not caring what goes in my mouth....I work so hard at two jobs and can't get the one thing that would change my life forever... I keep hoping to find some inspiration to suddently just do it on my own.. but the more i try that it has the opposite effect. Anyone find a good place to get some financing that isn't going to charge an arm and a leg for interest?

I got my loan for 3% at a credit union. Try that. Good luck

I saved all year for part of it (will have about $9000 by year end), am maxing out my flexible spending account at work next year for $5000 of it, and putting any remaining amount on my credit card. It sucks to wait and save, but I know it will be worth it in the end.

Hi guys.. i havn't been on the boards in at least 2 months.. i'm stuck at that really really frustrating point... I want the surgery end of story.. It's so frustrating when your insurance doesn't cover it.. and i have no rich ppl in my life to ask to borrow... anyone in the same frustrating position? I think this might have actually made me gain weight lately.. i have a sense of not caring what goes in my mouth....I work so hard at two jobs and can't get the one thing that would change my life forever... I keep hoping to find some inspiration to suddently just do it on my own.. but the more i try that it has the opposite effect. Anyone find a good place to get some financing that isn't going to charge an arm and a leg for interest?

I am in the same boat. I plan to save as much as I can in the next six months and then find the best loan for the balance. It is very hard not to get discouraged. I watch videos of people that have had their surgeries and draw encouragement from their success. Don't lose heart. Keep researching different options. Have you checked out ww.wlsfa.com? They give grants for the surgery. You have to go through a process. It may be worth your time to check it out. Take care.

I was able to work out a plan with Dr Kelly's office: I will put down $1,000 a month as of last month in order to have $4,000 down by the end of December and they will finance the rest in January. So I will have $4K down, and will

finance the remaing $1600.

It's been really tough putting that much down a month, but I am so ready for this surgery! I don't know if you are looking into Dr. Kelly, but perhaps the surgeon you are considering may have in-house financing.

I wish I had a rich uncle! Good luck to you.

Hi guys.. i havn't been on the boards in at least 2 months.. i'm stuck at that really really frustrating point... I want the surgery end of story.. It's so frustrating when your insurance doesn't cover it.. and i have no rich ppl in my life to ask to borrow... anyone in the same frustrating position? I think this might have actually made me gain weight lately.. i have a sense of not caring what goes in my mouth....I work so hard at two jobs and can't get the one thing that would change my life forever... I keep hoping to find some inspiration to suddently just do it on my own.. but the more i try that it has the opposite effect. Anyone find a good place to get some financing that isn't going to charge an arm and a leg for interest?

I was able to work out a plan with Dr Kelly's office: I will put down $1,000 a month as of last month in order to have $4,000 down by the end of December and they will finance the rest in January. So I will have $4K down, and will

finance the remaing $1600.

It's been really tough putting that much down a month, but I am so ready for this surgery! I don't know if you are looking into Dr. Kelly, but perhaps the surgeon you are considering may have in-house financing.

I wish I had a rich uncle! Good luck to you.

When did you have your surgery with Dr.Kelly? You said you were financing through his office but are you paying after surgery or is it all payed before the operation?

i've paid $4,000 through my coordinator, the remainder which is $1,600 is being financed through a creditor, I think they are called Financial Monterrey. My surgery is next week (yikes!!!) and my first installment payment will be in February. I will pay off the reminder in 12 months. My coordinator sent me the info on financing and I jusy applied for it and was approved.

I was given a pamplet at my doctor's office. Chase Health Advance 888.519.6111 has no interest if paid in full in 12 mos.

I was given a pamplet at my doctor's office. Chase Health Advance 888.519.6111 has no interest if paid in full in 12 mos.

I just checked this out...it's a dead end, they do not offer financing anymore

It took me two years to save, so I understand because I was self pay . Good luck. Maybe have a garage sale or yard sale to help ?

I saved all year for part of it (will have about 9000 by year end)' date=' am maxing out my flexible spending account at work next year for 5000 of it, and putting any remaining amount on my credit card. It sucks to wait and save, but I know it will be worth it in the end.[/quote']

Not sure if you knew but the IRS maximum for next year (2013) on flexible spending account drops to a max of $2500!! That sux!!!

I'm in the same boat! I'm planning on using my credit card for the $500 deposit and the airfare. I will use all of my income tax return towards the balance of the surgery, and I will try to take out a loan for the remainder of it. Even if I have to put my car up for collateral. Lol that's the plan as of right now. I thought about going to the bank and applying for about a $7000 loan, paying for it all now and reserving my date, that way I can go ahead and be paying on it. I don't know if I'm gonna do that or not just yet.

Wow i was surprised to see this post come back up.. I finally got my wish.. i woudn't trust any of those medical loan places..I didn't have the best credit.. but i finally did get a loan through my credit union that actually offered me more than i had asked for so i could pay some other bills off.. my loan payment is 270.00/month and i'll have it paid off in 2.5 years. I thank god everyday i finally had an option.. and it's been the best five months so far... I'm so much happier.. and i hope that you all get this surgery it is the best decision ever of my life...