Yep getting a HT isn't cheap, the lads have given some sound advice on here. Basically the best thing to do is to try and save the money.
But when you have researched HT's thoroughly, found the right doc and feel you need work doing right away it is going to be hard to wait and save.
For my first HT I paid the money out right and for my 2nd I hadn't saved the hole sum up so I paid for the majority and put the rest on a credit card. The advantage of my credit card is that I don't have to pay any interest until January next year and by then I should of paid it off.
What im saying is if someone needed work done pretty soon and had not saved up the hole sum, try and get hold of a 12 month interest free credit card and to pay the remainder off with that.