If I'm correct, ffs would be deemed to be entirely cosmetic by nature. Insurance plans don't cover anything that is done for the sole purpose of cosmetic reasons. SRS, however, is covered by some insurance policies providing you meet the standards they set. I could be wrong about FFS, but I wouldn't get your hopes on finding coverage for that.
While you can take out a loan, you will need to be approved. Based on your current income, it will be a little hard for a bank to loan you the money needed. They generally want some kind of proof that you can pay them back. If you have good credentials, I would suggest you first focus on finding something that will enable you to save up. Then you can have a little money saved up and could possibly qualify for a loan.
