If you were self pay and POSSIBLY staying in the US how would you finance the surgery? I know I'm looking at $25-32,000 if no issues arise. My husband has excellent credit so that shouldn't be an issue if we need to apply for a medical loan. But obviously I'm wanting to save as much as possible. Our house is paid off but I'm afraid to put it as collateral. My husband has a good job but the hours might not always be as steady as they are now and I don't want to lose our house. We have a 401K but I'm not quite understanding all of the terms with taking a loan out on it and how much I can expect to pay back. I'm also wondering if it would be possible to get a hardship loan?