I desperately need an answer. How do college students pay for their surgery? I am 20 now, when I was 14 I decided to get a surgery done as soon as i turned 18. Instead I spent all my money on an exchange year to the US. I dont regret, but it will take me a long time to make that much money again, thinking of the fact that Im a full time student. Wish I could do loan or something(?).