27 yo 32J bra size 5’4” and 135lb

I started developing very early, I was probably about 9 when I saw the first signs of breasts coming in. I was happy about it until I turned about 12. I was probably in a D cup or approaching a D cup by that time.

By the time I was 14 and in high school I was a 28DDD. My breasts were so big that some kids at school made a game out of them and another girl's breasts. There was a poll going around: who had the larger cup size, me or Katie (name changed). The kids got a mutual friend of ours to ask each of us separately, knowing we would gladly tell her because she was our friend. For those wondering the outcome, I was the larger cup size....

Fast forward to now, I'm 27 years old and am now a 32J. I'm 5 feet 4 inches tall and 137 pounds. My breasts ballooned to this size (from a 32G to 32J) after I started depo provera 2 years ago and gained weight. I went from 130 to 150 pounds almost over night! I've been working to lose weight (I'm almost down to my original weight yay!) in hopes that my breasts will shrink and although my tummy is shrinking, my breasts aren't going anywhere ugh...

I've been complaining of discomfort, self confidence issues and back, neck and shoulder pain since high school but now it's UNBEARABLE. I can't even sit through an entire movie while sitting up. My back starts hurting so bad I have recline or lay down.

So, after going back and forth with the idea since I was 16 years old, I've finally made up my mind, I'm getting breast reduction surgery.

On September 2 I called my insurance company to see if I have coverage for that, sadly they only cover 35% but that's better than nothing. Then I called my regular hospital to set up an appointment with my PCP. To my surprise he had an opening for a telephone chat the very next day! So I took it and told him my issues, he forwarded me over to a surgeon. I have a chat with the surgeon scheduled for next week, September 10. Fingers crossed!

I can't wait to wear things I've always wanted to wear and go bra-less.

I've been having dreams about getting a reduction for the past week, I wake up pretty disappointed lol I have been close to tears thinking about the relief and boost in my confidence

But now I'm wondering how am I going to pay for this? I've considered care credit but after doing some research and seeing some reviews I've decided against it. Other people have said they are pretty shady, I'm very protective of my credit so I don't even want to risk it. I'll go with my original plan of getting another credit card with my regular bank. I like my bank and I trust them. They haven't let me down yet. So I'll go to the bank on Monday and speak with a banker about my options.
At the moment I'm still going through the process of seeing if insurance will cover part of the surgery.
But I know even with insurance paying partially I won't be able to afford it without help.
Another issue is: will the surgeon I want to go to accept my insurance??? I want the surgeon I want to better ensure results I want... should I reject my insurance's assistance to get one of the surgeons I really want?
Anyway I'm very excited and optimistic!
I speak to a surgeon in two days! It's not a consultation... just a short phone call my PCP set up, I suppose just so the surgeon can ask me some questions about my health issues regarding my breasts.