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Author Topic: LL Loans  (Read 814 times)

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Sambollio

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LL Loans
« on: June 27, 2022, 09:21:31 PM »

Hey guys I’m wondering how you guys are planning to or have financed LL. I want to get this procedure within a certain timeframe, problem is I won’t be able to pay for the whole thing. What are you guys planning? Are you getting a loan and for how much? How long are you going to pay it off? Any recommendations for what companies are good?
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JJ299

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Re: LL Loans
« Reply #1 on: June 28, 2022, 12:33:37 PM »

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.
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Dirona

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Re: LL Loans
« Reply #2 on: June 28, 2022, 01:08:01 PM »

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.

You hit the nail on the head. I am willing to take biological risks but the risk of not being employed/financial risks are much higher depending on circumstances. The problem with this surgery is very few folks are rich enough to do it at a very young age. Do you work in the US? Why did you choose Dr Lee?
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JJ299

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Re: LL Loans
« Reply #3 on: June 28, 2022, 02:06:30 PM »

You hit the nail on the head. I am willing to take biological risks but the risk of not being employed/financial risks are much higher depending on circumstances. The problem with this surgery is very few folks are rich enough to do it at a very young age. Do you work in the US? Why did you choose Dr Lee?

He has a huge forum so lot of my answers and concerns were answered by both his staff and past/present patients. He also emphasizes heavily on post care and has an in-house PT facility and team (if you look at other places usually they outsource their PT or straight up tell you to hire your own PT) + I don't think I have to state he's arguabely one of the most experienced LL surgeon in the world. I think that's why his current wait time is 2 years minimum right now.

Also, I do work in the US as a SWE.
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motoboarder

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Re: LL Loans
« Reply #4 on: June 28, 2022, 02:40:30 PM »

being off of work for 6 months - 1 year and having to pay for a 5 figure loan with sky high rates.

I'm a SWE also. In my exp I was off work for 3mo, not 6mo (assuming remote work), so not too bad regarding employment. Though it's good that you gave buffer in your estimate.
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Asian male age 30-36; 163cm -> Gained 4cm tibias & 5.6cm femurs
Tibia surgery 01/18/2022; Femur surgery 02/01/2022
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JamesBrown

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Re: LL Loans
« Reply #5 on: June 30, 2022, 03:23:14 AM »

I work in IT, not exactly software development but still tech and rarely need to stand or use legs in general.

What is your reason tell your boss to take a 3 month break off of work? I can't think of any and don't want to say cosmetic limb lengthening.
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Height Journey

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Re: LL Loans
« Reply #6 on: June 30, 2022, 04:03:07 AM »

I work in IT, not exactly software development but still tech and rarely need to stand or use legs in general.

What is your reason tell your boss to take a 3 month break off of work? I can't think of any and don't want to say cosmetic limb lengthening.

Just say corrective orthopedic surgery on your legs. You don't have to give any details, and HIPAA allows you to keep the details private.
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3.7cm tibias with Precice 2.2 nails in 2022
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motoboarder

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Re: LL Loans
« Reply #7 on: June 30, 2022, 04:34:10 AM »

Told my boss I had an important surgery I need to get done. Done! no more questions asked. My manager was very nice though. I knew there're other nosy bosses out there or the ones who "care" too much. You can tell them "It's not your f*cking business" (in your head lol). Just tell them "I'm sorry that's my personal matter".
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Asian male age 30-36; 163cm -> Gained 4cm tibias & 5.6cm femurs
Tibia surgery 01/18/2022; Femur surgery 02/01/2022
Diary http://www.limblengtheningforum.com/index.php?topic=69090.0
Recommended wheelchair transport in West Palm Beach: East Coast Taxi (561) 651-1111 (please DON'T mention it's from me)

JamesBrown

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Re: LL Loans
« Reply #8 on: June 30, 2022, 06:30:40 AM »

Told my boss I had an important surgery I need to get done. Done! no more questions asked. My manager was very nice though. I knew there're other nosy bosses out there or the ones who "care" too much. You can tell them "It's not your f*cking business" (in your head lol). Just tell them "I'm sorry that's my personal matter".

Good suggestion but I feel like leaving it at that generic description will lead to gossip and drama, I'll will be more specific and say corrective orthopedic surgery then leave it at that.


Just say corrective orthopedic surgery on your legs. You don't have to give any details, and HIPAA allows you to keep the details private.

Simple yet effective, I'll shut my manager and HR down by simply refusing to comment further on the grounds of HIPAA (in a very polite way of course). The good and bad thing about tech is that people can take on other coworkers' duties relatively easily so one person on leave doesn't impact productivity too much - though 3 months is a bit of a stretch, but we'll see when the time comes.
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It is what it is.
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