What would you do? Self Pay March 2005 Vs TRC Pay January 2006

I currently have no health insurance but I am desperately seem the RNY surgery as I am six foot tall and weight 415 pounds. After being evaluated off and on for the past 6 months by the TRC they have said, unofficially, they would pay for my surgery after my completion of a one year medically supervised weight loss program if I still want and need it. I have also been pursuing self pay options and found having the surgery done in Ensanada Mexico to be the most affordable option with the total cost with expenses being around $12,000 for the open RNY. So do I wait, and hope, for the TRC to approve my RNY Lap surgery in 2006 or do I take out a $7,000 loan plus $5,000 I already have and fly to Mexico to spend $12,000 for the OPEN RNY in March 2005?

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