I am setting myself up for top surgery in early March. My doctor said this will cost anywhere from 9k-13k out of pocket. I currently have 9k in savings and make about a thousand a month, meaning I will have about 15k in the bank when I get the procedure. My expenses are very low, one of my jobs covers my housing, so I only pay for bus passes and food. (Like 100$ a month after a couple hundred in tuition each semester). I will lose this job next August when I graduate, so I want some savings left to live on. How much of this possible 13k should I take out in a personal loan? Would it be better to say it is for a medical procedure, even thought top surgery can be seen as a cosmetic thing? What interest rate should I try to negotiate? I have a 770+ credit score, so that should not be an issue.
I think you should just pay for the procedure in full. Being out of a job and having debt isn’t a good combo. You’ll still have 5 months of work so by the time you leave the job you should have $4,500.
Find stable employment first then do your procedure. Don’t go into debt since you have the means to pay it off out of pocket.
Do you have health insurance? Most health insurance companies are required to pay for transition-related care. The cost of health insurance premiums for a few months is probably less than $9-13k. I wouldn’t pay out of pocket unless you have no options. Your school probably offers Heath insurance. You can also get insurance through Medicaid (depending on state/income) or the marketplace.
If it’s not an emergency why pay for something you can’t afford?
Check out CareCredit financing. Just Google it. It is a credit card for health expenses and offers deferred interest plans. Note that if you are on a 0% deferred interest plan and do not pay it off according to terms, the interest will be charged all the way back to the time of the charge. However, if you do pay it back before the date specified, which could be 24 months, there will be no interest and you will have time to accumulate additional savings before paying the total cost.
Find a couple credit cards that offer big sign up bonuses. AmEx platinum requires a $6k spend in 6 months to get around 100-150k points (about $1000 of rewards). You should be able to get that and another one, and meet both spends.
Then pay them off immediately.
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