<prompt> Human: Im 19 and the orthodontist wont work out any other option for my contract. Basically, I owe for the full amount of the contract and fees for late payments which I am totally ok with paying, Ill need to take out student loans but Ill figure it out somehow. What I dont understand is that because Im cancelling the contract early, I will have to pay an additional 1500 to have the braces removed. I dont think Ill get approved for that much especially since I have to pay the full contract first. The ortho said I can sign up with a care credit card with them and pay that off, but there is nothing else they will do for me because my payments are late. Should I sign up for the credit card? I dont really know what to do.  <response>: There are probably 5000 dentists in California that wouldnt bat an eye taking those off for you and fitting you with a retainer. I wouldnt make another call to your current guy, hes taking you for a ride. 