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Saving vs. Taking out a loan for surgery?


Paranoid Princess

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Hi, so I'm a transgender girl who's 17 and I want SRS desperately. I have only $2000 in savings and want SRS desperately, as soon as possible. I know realistically I won't be able to schedule the surgery until the end of next year due to waiting lists, and I can't get a job until the start of next year when I finish school. I was wondering, is it better for me to save for it or take out a loan?

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I'm afraid i don't know much about your health care system but i have always lived my life trying to avoid taking on debt. I would certainly be certain to have a job before even trying to get a loan. It would be strange for anyone to extend credit when one has no visible way of paying it back. Try to remember that one too often ends up paying back almost twice what was borrowed. Sorry to give such a downer but often time and patience can make all the difference in having a good life.

Hugs,

Charlize

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Yes, you're right, it's easily can add up to twice the original amount. The loans that I found had 10% annual interest which is steep.

I live in Australia which is one of the worst countries in terms of trans healthcare accessibility. No insurance in Australia covers transgender surgery fully, requiring the client to pay tens of thousands to make up for the gap

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