<prompt> Human: Hey all,Like the title says, Im 20. My credit score is in the 760s, but due to my age, my averaged credit history age is only a little over a year. I pay off three credit cards in full every month. Im a self employed video editor, so Im lucky enough to make about 2,200 per month after taxes. Im also transgender, about 23 through my transition. I urgently need to get some personal surgeries to finish this, because I want to get on with my life as me, and start fresh while Im still pretty young. While some procedures are covered by insurance, not all are. In particular, one surgery will cost around 25K estimated because Im still in the consultation phase with various surgeons, but it should be - a couple thousand at most. I currently have 4K for a down payment, but Im hoping to get that closer to 6.With my current budgeting, I couldnt afford pay more than 400month on a 5 or 6 year loan. Is this within the realm of possibility?Unfortunately this isnt a conversation I can have with my family. Besides my basic research, I dont know very much about loans or where to start. Obviously I understand all of this is hypothetical, but any info would be great. Thanks so much.Extra tidbits about my creditworthiness: 1 2017 is when my work started ramping up, I made about 20K gross. Ive upped my rates for 2018 and will be making about 34K gross annually. 2017s income is not yet reflected in my taxes. I can wait until April if need be. 2 If absolutely necessary, I could look into cosigning on a loan with my parents. It would take a lot of nudging but might be possible. Theyre upper middle class, probably not a perfect credit score though.Thanks again.Assistant: you arent going to qualify for a 20k personal loan. talk to the doctor about financing and payment plans.Human: Yeah, most of them recommend credit cards like care credit. But Im really trying to avoid credit cards. My brother who makes 24K a year can buy a 30,000 car at a reasonable rate. I dont think its a good idea for him, but how can he even do that in the first place? Because its a auto loan?  <response>: Because if he doesnt pay his bill they can repossess the car. They cant repossess your surgery. 