What about Care Credit? Do people finance HT's? (A family member of mine is a cosmetic dentist and his patients finance procedures with care credit from time to time.. I know Vetrinarians have that too). I don't love the idea of financing luxuries but when you make the argument about being in your "prime appearance" that tugs at my heart strings a bit.
Another consideration- I got a pretty nice discount on my procedure for signing up to be a candidate on a standby list where the physician's office would call me to fill in for a cancellation (which reminds me, if you cancel you shouldn't feel too bad because your doc may have someone else on standby). Mohebi's office called me about a week or so before the procedure date and told me if I want, I can come in and get the procedure done on a Friday. So, I talked with my boss to make sure I can get a day or two off and he was supportive.. so I did it.
My thoughts are that it would cost somewhere between $6-$12k to do an FUT procedure with 1400-3000 grafts, depending on the surgeon, location, travel expenses, etc. That's just a ballpark, and my thoughts.