Thank you for your question.I understand your reason and desire.You have several options:1)Join a credit union and start putting some money away on a monthly basis just like a "lay away plan". Before you know it using this mechanism and combining with below you will reach your goal!2)Several financing options are available (Carecredit.com, Alphaeon.com, credit union, etc) If your credit score is less than optimal, you can often get a co-signer.3)Loma Linda University Plastic Surgery Dept has Plastic Surgeons in training and offer reduced fees to let the trainee perform your surgery. (909) 824-0800 ask for Plastic Surgery Training Office.4)heard of but never known personally..... to start a "office fund" for your surgery where your Associates donate money to help offset the surgical feesMy best wishes,