Financing A Tummy Tuck - 3 Fat Chicks on a Diet Weight Loss Community

afb0407 · 08-22-2007, 03:45 PM

Hello...i am 20 years old...and am considering a tummy tuck...the only thing keeping me from that is my lack of credit.....does anyone know a company who will finance someone for cosmetic surgery with not so great credit?? (i mean like in the 550's)

Meg · 08-22-2007, 03:59 PM

Most plastic surgeons' offices work with several different finance companies. There are lots of finance companies for PS out there. I'd suggest that you find a plastic surgeon who you feel comfortable with (most important!), decide on what needs to be done, and then discuss financing with his/her office manager. I'm sure that they will be able to help you out.

Good luck!

afb0407 · 08-22-2007, 04:03 PM

i have found my surgeon...but his office deals with cap one....and they have declined me.....im in dire need of this surgery...i can afford to pay payments...
even with high intrest rates....but i feel as though if i dont do this i will never stick to a diet.....its the most depressing thing i struggle with...not matter how much i loose.....and no matter how hard i work.....no matter how many stomach crunches i do...i have way to much skin to ever shrink back to my body....so i feel like the whole reason of dieting is pointless for me at this moment!

Meg · 08-22-2007, 04:09 PM

I'm so sorry! I know how discouraging the excess skin is.

Would you consider other surgeons?

Also, may I ask a question -- but please feel free to tell me to butt out.

Are you considering a TT now or are you going to wait until you reach your goal? I see you have 38 pounds to go -- waiting until those pounds are gone could make a big difference in your surgical results. If you got a TT now, you might discover that you still have excess skin once all the weight is gone. Most PS's advise patients to wait until they're at a stable goal weight before surgery.

Could you save your money as you finish losing weight and have surgery be your reward for reaching goal?

afb0407 · 08-22-2007, 04:48 PM

well i went to 4 surgeons untill i found mine....and 3 of the four said that 20 lbs of me was skin.....that plays back to me not really ever reaching my goal until the surgery....and i know i could finance it with a cosigner...but this is somthing i want to do alone! you know what i mean???

witchyonadiet · 08-22-2007, 08:09 PM

I'm confused - you started at 190 and you are at 183 - how does your surgeon think that 20 pounds of your weight is excess skin. Did you lose a lot more prior to the 190 start ?? If not - are you sure this is a reputable surgeon ????

shrinkingchica · 08-22-2007, 08:21 PM

Quote:

Originally Posted by witchyonadiet

I'm confused - you started at 190 and you are at 183 - how does your surgeon think that 20 pounds of your weight is excess skin. Did you lose a lot more prior to the 190 start ?? If not - are you sure this is a reputable surgeon ????

Right. I'm a lil confused about that point........

Jasmine31 · 08-23-2007, 12:35 AM

I am confused as well. I have lost 74 pounds and I have mostly tight skin. Once I get to goal I may have a little loose skin. But 20 pounds NOW? Or even 20 pounds from now?

nelie · 08-23-2007, 11:47 AM

One thing I'd encourage you (or anyone else!) to do is start self financing. Put aside a certain amount every month into a high interest savings account, there are many 5% online money market/savings accounts. $500/month could easily turn into over $6,000/year. In 5 years, you'd have over $30k. Even if you have to delay your surgery for a few years, it is something to think about.

afb0407 · 08-23-2007, 03:47 PM

Quote:

Originally Posted by witchyonadiet

I'm confused - you started at 190 and you are at 183 - how does your surgeon think that 20 pounds of your weight is excess skin. Did you lose a lot more prior to the 190 start ?? If not - are you sure this is a reputable surgeon ????

when i was 16 i started dieting at 235....got down to 137....and now im back to 190....and i lost weight so quickly that my elasticity of my skin did not follow my weight loss

witchyonadiet · 08-23-2007, 03:52 PM

OK - makes a LITTLE more sense - and I know everyone is different - 20 lbs seems like WAY too much weight to plan on it being. I know people - and have read MANY on here - who have lost far more than what you have done and are doing - GREAT JOB BY THE WAY - and lost nowhere near that much in excess skin. I think your surgeon is being overly optimistic. I know it sounds tempting that you could knock off 20 lbs but from what I've read you will have considerable swelling and such for a while and I agree with others that you would do better to actually reach your goal first. I know every little bit that I lose changes the contours of my body - sometimes really oddly and other times things seem to be more "back to normal". You never know what even 10 lbs more would do for you !