I know that a tummy tuck is an expensive procedure and I'm willing to bet the majority of people on this board are suffering a little financial hardship in order to pay for it - either by saving up for it for years, waiting years to be in a better financial position, or taking out a medical loan. I am in the latter group... I have come up with enough money with a combination medical credit (carecredit) and other various loans. However, the money that is going to be used for the TT/lipo could be used for debt pay off... So, my question is, how did you decide? I'm still undecided but this is where I'm at: The debt I have (student loans, some credit cards, mortgage) hangs heavily over my head, but my huge saggy tummy hangs heavily over my heart/head/life. I have a good job and will be able to pay off the debt in time (granted, corners will need to be cut for a few years - fortunately my daughter is young and doesn't mind second-hand toys/clothes) but if I don't get the TT now, it would be YEARS before I get a chance to have it again (in the army, crazy professional timeline). I'm extra motivated to have the surgery so that I can get my confidence back to jump into the dating pool (newly divorced) but that will be harder with the tummy... or the debt for that matter. Sigh. Help?