Hey everyone- I'll try to make this as short as possible.

I was supposed to be banded next week...

How this whole surgery option came up was my family DR (who is also a family friend) said he got me private funding to pay for the surgery ..some wealthy friends of his owed him a favor and he knew I needed this surgery so wanted to pay for it. So we went and made all the arrangements.

Now, I find out yesterday, that he can't get the money and so now I can't pay for the surgery...I'm devastated.

I'm now looking into different options for financing and wanted to get opinions on what the best self-pay financing options are?

Thanks!

Sorry for your upsetting news. Have you looked into a medical loan? 401K withdrawal? House Re-fi? Low interest credit card? If you post pone until income tax refund time you would be able to show a down payment on hand.

Personally I paid cash in MX, due to issues with my insurance. Part of me wishes I had fought it, the most of me is glad I pushed ahead, and am as far down this road as I am.

Good Luck

Kat

Hey Kat,

I'm pretty young so I don't own a house or have a 401k....

I don't think I'd get approved for a 15k credit card loan...

I'm trying to think this is happening for a reason and maybe the surgery wasn't a good idea.

I think I would be having the dr. to explain somethings to me as to why he let it get this far. Try to find a way to pay for it, it's well worth it.

Mexico is a lower cost option. The tax return idea is a good one. There are several medical financing places around. Call them first and see if you can get approved. Best of luck. Where there's a will, there's a way!

I really hope that everything works out for you. I know that it can be devastating to get your hopes up all for naught. Please keep us posted with updates.

If you want this bad enough, you will find a way. I was a self pay & I had to take out loans and then take on a part time job to pay for the loans. I think every time I'm tired and do not feel like going to the other job, I have to remind myself, this is going to get easier as the weight keeps coming off and the second job is not going to last forever, but my band will. This is not an easy solution, however when we want something bad enough we WILL find a way to make it happen. Make the decision to find a way to have the surgery (if you really want to).

Capital One offers medical loans

I am so sorry. I know what the disappointment is like. I work at a surgery center that does lap bands. If you PM me I can give you the information on 3 different Medical financing companies that have better rates than a card. If there is anything that I can do to help, let me know.

John

Thanks everyone for your suggestions...

I haven't given up yet- I'm still going to try and find out about financing options.

I got a Capital One loan like <!-- google_ad_section_start(weight=ignore) -->miztrniceguy<!-- google_ad_section_end --><SCRIPT type=text/javascript> vbmenu_register("postmenu_630625", true); </SCRIPT> mentioned. I have a lot of debt with house and cars and a few credit cards and had no trouble getting the loan.

I went to Houston where it was cheaper than Dallas and paid $13,000. I was considering Mexico but when I factored in travel and expenses, I only needed about $2,000 to have it done in the US and not have issues with finding a fill doctor.

Good luck to you!!