thanks Bob... I can get the money for the surgery and associated costs, but am afraid i'll have to borrow money from someone later on down the line til I can work again. unfortunately, my parents are in bad financial shape. i do have friends and relatives i could get bits and pieces from here and there, just gonna be really hard on my pride and i don't want to ruin a friendship over money.

Just breaks my heart, b/c I have excellent credit and significant income potential once I'm recovered. The whole reason my debt:income ratio sucks is b/c of this damn back problem limiting my work during the past 15 months. arghhhh... I'll have to work even if i'm still having pain after the ADR has fully healed. I pleaded w/ the guy, to no avail. they wouldn't loan me a dime.