hi there, Daughter!
ok. start breathing again. really. breathe. did you make an appointment to see the doc about your chest pains? that should be the FIRST thing you do this week.
about paying for surgery, that's something you'll have to discuss with the surgeon. some let you pay monthly, others don't. and different surgeries have different costs, so the best way to approach this is to figure out the best surgery for YOU, and then find a surgeon and figure out the money end of things. i've heard that quite a few surgeons have relationships with lenders.
so, about researching on this forum. check out the stickies at the top of the page - the LapBand stickies and the DS'ers sticky have lots of info about those surgeries.
most people on this forum have had RNY, but we also have quite a few who've had lapband, duodenal switch, or vertical gastroplasty.
and we have lots of success stories, and some not-so-successful.
check out posts by akrosy [akrosey?], jillybean23, KO, missangela, juliemarie, to name just a few. be sure to read the good, the bad, and the ugly.
it's incredibly important to do your research so that you make the right decision FOR YOU.
ok. breathe again. and remember: WLS is NOT a quick fix. it's more like hitting the reset button so that you get a second chance at unlearning everything that you thought you knew about eating and exercise, so that you can RE-LEARN it.