22 Year Old Desperate for a Breast Reduction - Minneapolis, MN

I have hated my breasts all my life. They were Cs in Jr High, DD by highschool and now I'm stuck with 34J. I have suspicions that they are still growing! Bras I bought recently don't seem to be fitting as well, but it's hard to tell since it's nearly impossible to find bras in the correct size. I've had nothing but problems with my boobs. My breasts are heavy and painful without a bra on. I have had sharp stabbing back pain since I was in the 7th grade. This worries me because my mother has had multiple back surgeries and my aunt is permanently disabled because of her back problems. I don't want that to be a problem for me in the future. I also have neck and shoulder pain, a possible developing dowagers hump from bad posture (Hey, you try sitting straight with all this weight on your chest!), and painful shoulder grooves from bra straps. I also believe large breasts adversely affects my health. Exercising and being active can be painful. It is hard to find sports bras big enough and with enough support to allow me to be active. Because I want to avoid getting a black eye, I mostly avoid exercise. They are so uncomfortable they hinder my sleep quality, which is not good for me because I have Chronic Fatigue Syndrome and sleep disorders. I can never get comfortable enough to sleep! On top of all that, I get terrible rashes! So, you know, basically the works as far as problems go.
Lately its really been affecting my self esteem. I hate how they look so much and how they make me feel so much I cry at least once a week about it. My boyfriend has never complained and reassures me that he loves them but I remember a comment he made about another girl back when we were just friends, saying her boobs were hideous because she had big areolas and stretchmarks. That's been a painful thorn in my side. Just the other day were watching a movie and a friend of his made a comment on how a girls boobs were ugly because her areolas were large, and I would kill to have areolas as small as hers to be honest. I wanted to sink into the couch and never come out. There have been several other times people close to me have made comments like that and they all eat away at me during times when I am really depressed about my breasts.
I hate the way they look in clothes too. It's impossible to find clothes that fit me well and anything with a low neck looks incredibly inappropriate. I wouldn't be exaggerating when I say everyone I meet comments on the size of my boobs. My friends a lot of the time will just blurt out "my god your boobs are huge!" I get stared at all the time in public. I am so, so tired of being the boob girl.

I had my first consultation the other week and it didn't go as well as I'd hoped. The doctor I chose doesn't work with insurance. He also told me they'd have to remove close to 500g for insurance to cover. He said that would be about half of my boob but was unsure what size I'd end up with. This is pretty upsetting to me because as much as I hate my big boobs, I don't want them to be small. I'm not a tiny girl at 170lbs and I have always been very curvy. I don't think anything below a D cup would look right on my body and he agreed. Long story short, he suggested the best option for me would be a cosmetic breast reduction and a lift. In order to do this, I'll have to get a loan for $9000. It's worth it but as a broke college student that seems a little out of reach right now. It was a long, hard day and I cried all the way home about it. I had my heart set on it and I was really hoping insurance could do something for me. I really admire the first doctors work but I'm considering getting a second opinion from a doctor who works with insurance. Hopefully they will have better news for me. My goal is to have the procedure done this year, no matter what. I can't continue to live so obsessed with how much I hate my breasts.

I guess for now this will just have to be a place to share my rants, hopes and frustrations.

A picture of my most recent under-boob rash. I know, pretty nasty, right? Does anyone have any tips to prevent/ heal these? I deal with them atleast once a month. :(