I have a good paying job where I work remotely so I am paying upfront ( made an appointment with Dr. Lee April 2024). I can't imagine getting a loan for this kind of surgery since you will be hospitalized for 3-4 months and probably need extensive care/PT for another year + usually these loans probably have high interest rates ( a car loan has low interest rates since the loaner, usually banks, can just seize your car but they can't for your surgery ). People usually talk about biological consequences of LL but they often downplay the consequence of being off of work for 6 months - 1 year and having to pay for a 5 figure loan with sky high rates.