I am currently 27K in debt. This debt includes my car, student loan and $5000 in credit card debt. I have no money in savings except for retirement. I would like to have a breast reduction which will add an additional $4000 to my current total debt (part of the cost of the surgery will be paid for in cash).
I have a plan that would allow me to pay off all of my debt over the next 12-15 months.
Why surgery? Well, my breasts are basically too large for my body. I have always had large breasts and started development early and it has always been a concern for me since puberty. I have difficulty buying certain clothes, poor posture, etc.
So, my question is...given my current debt, and lack of savings, do you think it is a good time to have this surgery? Thank you for your advice!
Well, do you think it's the right time should be the question. If you were talking about a breast enlargement just because then I would have a different opinion. I know that breasts that are too large can cause many health problems and a lot of pain. My god sister had a reduction and the indentions and cuts on her shoulders from her bras are already starting to fade. Not to mention the disappearance of major back pain. So, IMHO if you think this is best for you HEALTH then I would say, have it done. With a repayment plan in mind.
Most breast reductions are covered by your health care insurance, because they consider it "reconstructive" and it's not really in the idea of "plastic/cosmetic" surgery, and it helps if it's being done to relieve a medical condition, like back pain etc. If you don't have health insurance, I would look into the state funded ones, they might have ones for adults in your state. This will be cheaper than taking out a loan.
Your recovery time will depend on your medical history. My cousin was back to work a week later, she couldn't do any heavy lifting for 6 weeks. But again that's something you and your surgeon would have to discuss.
Also you say you have a plan? Is this offered by your surgeon or a finance company?