<prompt> Human: Hi. So the surgery would be a breast reduction. I have always always hated how big my breasts are, they are disproportional to my body. I started having back problems since I developed them but the problems have really gotten worse since I got in a car accident and injured my back in a minor way. Everyone makes fun of me for slouching but I cant help it to save my life, my breast are just too heavy. My doctor suggested yogastretching to help with my back injury which hasnt helped it entirely. I havent checked with my insurance specifically, but in general insurance companies require that you somehow prove the size of your breasts is causing you pain that cant be managed by other means yoga, physical therapy, a supportive bra, chiropractic, etc. I dont think I could prove this since my breasts arent abnormally large, just disproportionate to my specific body. My mother had the same size breast and were roughly the same frame, and insurance did not approve her breast reduction surgery. This means I would pay out of pocket for it: around 5,000-6,000. They offer two payment plans: pay it off in full over the next 6-12 months with no interest, or pay it off over the course of 3, 4, or 5 years with 15 interest. I would choose the 5 year options which would be around 125 a month. Its the only one I would be able to afford.I make roughly 600-800 a month as a waitress. I go to school so most of my time is spent studyinggoing to class. I rarely spend money on things I dont need, Im not a big spender at all. This job is the only job where I could make this kind of money without going full time. I only have to pay 400 in rent a month, my car is paid off and my parents pay for my phone and insurance. I am also planning on moving back home to my parents house once my lease is up in July or earlier, if I can get someone to take over my lease. I calculated that it would cost me 100-something each month for gas to commute to work and school, but that is significantly less than what I pay now in rent. Im planning on applying to med school, so I will be as broke as I am now until Im in my mid-thirties since Ill have so much student loan debt. 5 years from now I will still be in school most likely so I wont have to start paying back my student loans until I am completely done with school. That means the 125 will be my only debt for the next five years.I want this surgery as soon as possible. I hate my chest so much. Is this surgery even an option right now or will I have to wait until Im at a good place financially which will likely be in my mid-thirties? Ive never done anything like this so Im completely clueless. I also feel uncomfortable bringing it up to my family right now. I would not regret the surgery, only putting myself in debt if I cant afford it. I think if I move back home, I would be able to pay more than 125 monthly and it could be paid off sooner. Im so lost, please help lol.TLDR: Want breast reduction surgery but Im broke and in college. It would be 125month for 5 years and it will be my only debt after I move back in with my parents until I have to start paying back my student loans which can be anywhere from 3 years from now to 8 years from now. The surgery would not save me any money in the long run but would ease the strain on my back and make me a lot happier with my body.  <response>: That interest rate is steep. The cosmetic surgeon is a doctor not a lender. I would borrow elsewhere. I would extensively explore your insurance options. You are under 24 and in school full time. Your parents can claim you on taxes and deduct your medical bills from the surgery. I would talk to them before I did anything if I were you. Edit: also you are under 26. You can be on your parents insurance if you arent already. 