How do you afford it all?

I was recently approved for my abdominalplasty but every surgeon I've gone to now (4) have come up with an amount that I would have to pay out of pocket before the surgery could be completed. We're talking at least $3,000. I don't have a 401K to borrow against, nor do I have a home or alot of goods to sell. My credit is shot so financing is not an option. I know I can't possibly be the only one like this out there, so what I'm wondering is how does so many people afford to get the reconstructive surgery after we lose our weight? I'm even beginning to think about hosting car washes to raise money at this point. And is it a normal thing for the doc's to ask for money upfront even though insurance is paying? Thanks for your help!

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