So, I am sure some of you guys have money, but for young guys like myself, that causes problems..... How do you afford a ht? If it is by a loan, how much each month and how long is it for?

So, I am sure some of you guys have money, but for young guys like myself, that causes problems..... How do you afford a ht? If it is by a loan, how much each month and how long is it for?

When I was 24 and had my first ht, I financed nearly the whole thing through whatever finance company the clinic associated with. My payment was about $160 per month on $3,500 or so.

Ideally, you will save money monthly if you're young and pay for it outright. For example, $200 per month invested in a rather conservative mutual fund getting, say 7%, should provide about $8k in three years.

If you're needing one now, be sure to look at your priorities. At 24, I thought I needed to drive a new car that cost me $300 per month (1991 dollars), so I was stupid. I should have kept on driving my $1,500 Dodge Colt and saved, saved, saved!

Another option, in todays credit environment you could probably get a decent rate of <10%, which is better than what I got back then. Just give up some other things. This is a hell of a lot more important than driving a new truck, or getting a 4-wheeler ATV, etc...

Also, it seems I read where the doc in Vegas does in-house financing. Maybe you could get a little extra and kill 'em at blackjack while you're out there recovering!

__________________
100? 'mini' grapfts by Latham's Hair Clinic - 1991 (Removed 50 plugs by Cooley 3/08.)
2750 FU 3/20/08 by Dr. Cooley

My Hair Loss Website - Hair Transplant with Dr. Cooley

Current regimen:
1.66 mg Proscar M-W-F
Rogaine 5% Foam - every now and then
AndroGel - once daily
Lipitor - 5 mg every other day
Weightlifting - 2x per week
Jogging - 3x per week

Here you go:

http://needhair.bannerview.com/financing/

Just make sure you do without some of the other trappings that can get young people in trouble, ie new car, etc. Can you live with your folks for a year? Get a second job? This guy looks to be first class, and 12 months no interest isn't bad.

__________________
100? 'mini' grapfts by Latham's Hair Clinic - 1991 (Removed 50 plugs by Cooley 3/08.)
2750 FU 3/20/08 by Dr. Cooley

My Hair Loss Website - Hair Transplant with Dr. Cooley

Current regimen:
1.66 mg Proscar M-W-F
Rogaine 5% Foam - every now and then
AndroGel - once daily
Lipitor - 5 mg every other day
Weightlifting - 2x per week
Jogging - 3x per week

Bleach,

Hair transplantation is expensive, no doubt about it.

Keep in mind, that financing is an option, but even then, you should be able to have the means to pay the monthly fees.

Monthly fees will depend ultimately on the cost of the hair transplant, the length of the loan, and the interest rate per year.

Keep in mind too, that if one hair transplant won't meet your goals, you are going to want to develop not only a long term hair restoration plan, but a long term financial plan to cover all that you will need done.

I think being prepared financially is important as you plan for hair transplant surgery/surgeries.

Bill

__________________
Managing Publisher of the Hair Transplant Network, the Hair Loss Learning Center, the Hair Loss Q&A Blog and the Hair Loss Forum and Social Community

Follow us on Facebook | Twitter | YouTube

Subscribe to our Newsletters | How We Recommend Physicians

-----

To learn about how I restored my hair, view my my hair loss website.

Remember, true beauty radiates from within, not from the skin.

I am not a medical professional and my words should not be taken as medical advice. All opinions and views shared are my own.

You need to look at the big picture. With the exception of hairloss, men get better with age. Much of that comes with improved career, stabilty, money.

In terms of "market fair value" women cannot say the same, they are a depreciating commodity. A fresh faced 21 year old will often look tired and haggard by the time she is 30. She'll be able to cover it with makeup, but make no mistake.

The root of hair insecurity is the women. Will you be able to connect? Score a hot babe? (or even an average one?) At a young age, all you have are looks -- there has been little time to save money or build your career.

While 25K seems like alot at 21, when you are 30 or 40, that is a much smaller sum.

I would recommend saving as long as you can with the knowledge that the women who are rejecting you now because of hairloss will be begging to have you in another 10 years.

Save for the HT.

__________________
My Hair Loss Web Site - Hair Transplant with Dr. Wong

I agree 100%!

Great story to exemplify this...

Recently I heard on the radio, this girl had posted on a dating site that she was only interested in men who made at least 500K a year and were looking for a serious relationship to get married.
Her justification for this (what she brought to the table) was that she was both young and very sexy. Well, she got a response. A gentleman who was a stock broker for J.P. Morgan (and happened to leave all of his contact info for her) said that he feels that the terms of her agreement were unfair. He said, that while it is true that she is *currently* young and sexy, she is a depreciating asset while he is an appreciating asset. With time, her looks will fade. By the age of 30, she will no longer be "young" and not nearly as "sexy". On the other hand, he will not only continue to make money, but with all certainty will make even *more*. His net-worth, will continue to grow. While she, viewed as an "asset" will continue to depreciate.
He further justified his position by stating that, under her current terms she is bringing to the table her youth and sex appeal in EXCHANGE for his money.

He further stated that the likelihood of him losing his money is very rare, but if *IF*....IF, he ever loses his money, she will most assuradly leave him. As that is the sole reason why she wanted him.
But, make no mistake about it, she WILL lose her youth and sex appeal, then if he decides to leave her, she will have earned 50% of his net appreciation.
He ended with: I could not agree to this arrangement under your terms, but perhaps a lease shall suffice?

Oh, it was CLASSIC!

I heard about that! Do you have a link?

__________________
My Hair Loss Web Site - Hair Transplant with Dr. Wong

No...I don't know what part of the country your in, but Im in California. It was on 93.3 FM...
Actually your response sounded so similar to that, I began wondering if it was you!
BTW-----------
how did you hear of this? You must be in Cali, eh?

These guys are giving great advice to you!!! Loosing your hair is a weakness but you can also build it into a great strength (Thats Character)

But now wisdom is trying to knock at your door!! Sure get the Ht and finance and struggle with payments on the ht, Or wait a little while and save your $$$$ and set goals on how you are going to save.

My friend I was in your shoes and when I was checking out about 5 years ago in financing the interest rate for cosmetic surgery was at least 21% Thats high if you are going to go out and spend $5000 to $10,000. So I took wisdom and saved and waited to see how my hairloss was going to be in the future. I actually saved close to 20k and then I was having a hard time departing with 10k of this going to an Ht.

Well to make a long story short I did the ht and I negotiated the ht to $7900 for 3000 grafts my 1st ht. I waited 5 years to see what my hair did and got on the meds 1st to see if I would have any results without going through with an ht.

Well the meds worked great and I had a better Idea and less cost. If you can wait and save and struggle through the feelings of loosing your hair for a little while (you will be better off for your finances for the future) 2nd option wait atleast 1 year and get on the meds right away and save as much as you can to put down on the ht. How old are you and what norwood stage are you at?

__________________
My Hair Loss WebLog