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I was a single mom, two kids, head of household filing status, so I would always get a huge tax refund, $5500-$7500. My septorhinoplasty was $7800. I used part of the tax refund to pay for it, got financing, made on-time payments for about a year, then used the next tax refund to finish paying it off.
Loved my results. No regrets.
Work and save! Overtime if available. It’s easier if you have a $ amount to shoot for. Don’t buy unnecessary crap in the meantime . It sounds cliche but it works
The first one I took out a loan from the bank, and the second one my mum paid for me. Both surgeries were elective, both had functional and cosmetic elements.
Started working for a AAA game studio that has amazing insurance coverage for being transgender. Instead of $35k+, my implants only cost me about $4k out of pocket.
I worked and saved money.
Most people use care credit in the US (if it’s not something you can get insurance to cover).
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I saved 2k a month for 5 months 🙏
Don’t have any but I know people who got some done by taking loans (similar to getting a car loan).