Dude I think you should wait. If you can barely scrounge together 10k to pay for an HT, then it's not for you. It's expensive and a life time commitment. I would say, take the cost that the clinic (Rahal or other) gives, and save 5k extra on top of that.
Dr Rahal has done some great results, but if you're just coming on a forum and asking, "I have 10k, where should I get an HT". You haven't done enough research. Research for about a year before you get your head cut open.
Also, meds really are a must.