<prompt> Human: So, I am in desperate need of jaw surgery. After meeting with my surgeon today, we talked the price down from the mid 30k to about 20k. They need the payment the day of surgery. I have nobody to cosign for me, and the surgery needs to be done soon, like this month soon, for details i dont really want or need to get into on here . I have insurance, and they will be covering a large part of the cost, but my surgeon is out of network and therefore the full amount is due on the day of surgery. Do local banks usually loan to people with low income, especially such high amounts? Do I have any options at all? Thanks.  <response>: I cant imagine anyone will give you an unsecured loan for 23 of your annual income. 