I am also a college student and considering wls. I'm in about the same situation as you. I will probably use my mom or dad's insurance. I know my mom's covers it without any hitches. However Certain places I've been researching have payment plans. There is a dr by me with a payment plan, plus I read that the realize band works with capital one and I think the lapband has a payment plan also of 84 months or so. I think it just depends on the type of surgery. But I'd definitely research more into what each compan of the LBs do to help with financing. Not sure about other surgery.