I am truly at the end of my rope. My insurance does not cover bariatric surgery - which really sucks - but I am willing to take out a loan to pay for it. March 20th I got a quote from LendingClub (one of the three lenders my surgeon is affiliated with) and was quoted interest rates ranging from 11.9% to 15.9%, depending on the length of the loan. Now that I am within 60 days of my surgery date, I went back to LendingClub to review my options and was quoted a rate of 32.07% - which practically DOUBLES my monthly payment. CareCredit will ONLY lend me $8000 at 26.9% (surgery costs $10,500). And lender number three is "United Medical Credit" and my application is still pending, but I hear they are the worst of the three lenders.
I've been crying my heart out and I am so, so, so discouraged and upset! I don't think I can afford to have the surgery. I make a good living as a Nurse Practitioner, I work 50-60 hours a week, pay all my bills on time, have good credit but I am the sole breadwinner for my family and money is pretty tight. UGGHHH! I just don't get it??? It is so unfair that I am trying to do something positive here - to improve my health, reduce my healthcare costs, extend my healthy years, prolong my life, etc and it is such an UPHILL battle every freakin' step of the way. Good lord - I can buy FURNITURE and get 5 years of interest-free financing, but to save my LIFE, I have to pay exorbitantly high interest rates. What is wrong with this picture? The whole world is so freakin' backwards. I am thoroughly disgusted...
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