Alright at the moment I am unemployed but plan to go to school and finally get my degree. The thing is I really want top surgery, quite tired of living like this. I am short 5,000 dollars, I am in a situation I dont know what to do. What other ways did you guys do to save for top surgery when unemployed?

Fundraiser would be cool and all buy I cannot afford to do that kind of stuff you know? Haha, unless it is affordable.

Now I am not saying I am doing this (or that you should) because technically it is against the terms of the loans to do this, but I have known guys who go to college and take out loans to get top surgery. Personally, I don't see anything wrong with going that route because most college students take out loans and piss away the money. At least if it goes towards surgery it's for something worthwhile. Then once you graduate there is a low interest rated loan to repay for the next decade or so.

If you are buying a home you can always refinance your mortgage, save tax refunds, or do the sensible thing and get a part time job while you're going to school.

http://pansy-boy.tumblr.com/post/13832355588/i-found-at-least-half-of-my-top-surgery-fee-on-the

This guide helped me a lot while I was first starting out and jobless. I also made approximately $2k selling gold and silver jewelry/coins for scrap(you need a good amount to actually make anything, to warn you).

Quote from: Simon on June 18, 2013, 05:00:43 PM
Now I am not saying I am doing this (or that you should) because technically it is against the terms of the loans to do this, but I have known guys who go to college and take out loans to get top surgery. Personally, I don't see anything wrong with going that route because most college students take out loans and piss away the money. At least if it goes towards surgery it's for something worthwhile. Then once you graduate there is a low interest rated loan to repay for the next decade or so.

If you are buying a home you can always refinance your mortgage, save tax refunds, or do the sensible thing and get a part time job while you're going to school.

I know someone who has done this. However, you need good credit or at least a co-signer for this to work or to get any decent amount of money.

Unless you're eligible for a crap ton of direct loans based on your FAFSA

Quote from: Darrin Scott on June 18, 2013, 08:03:11 PM
I know someone who has done this. However, you need good credit or at least a co-signer for this to work or to get any decent amount of money.

If a student is 23 or older they're considered an independent student and don't need any co-signers. Credit doesn't matter when it comes to fafsa loans. My gf is 27 and has been taking out loans for our living expenses for years without a co-signer. She is eligible for a little over ten grand a year but we're trying not to rack up a ton of debt.

Quote from: Simon on June 18, 2013, 08:13:53 PM
If a student is 23 or older they're considered an independent student and don't need any co-signers. Credit doesn't matter when it comes to fafsa loans. My gf is 27 and has been taking out loans for our living expenses for years without a co-signer. She is eligible for a little over ten grand a year but we're trying not to rack up a ton of debt.

You're right, but I am also 27 and can't get that much a year in loans and if I needed more I'd have to use something like Sallie Mae and with that I'd need a co-signer because my credit isn't that great. You do need a cosigner for loans if your credit sucks enough regardless of age.

Quote from: Darrin Scott on June 18, 2013, 09:29:53 PM
You do need a cosigner for loans if your credit sucks enough regardless of age.

I wonder if that goes by State? I wouldn't think so because it's a federal program. Maybe because we don't live at home (not sure if you do or not) and are considered low income? She has really bad credit. I have no idea what my credit score is but it can't be too great because I owe a lot in medical and I've never owned a credit card or anything to build credit. I start classes this Fall and they have sent me an award letter saying I have the option to take out almost as much as she can if I want.

Not trying to argue with you here. Just want you to be able to get what you need too.

Just to let you know, I have fairly good credit. I have never failed to pay anything, and I haven't been sent to collections for any bills. Despite that fact, I was unable to get a loan when I was getting top surgery last year. That is despite the fact that I was making between 300 and 600 dollars a week at the job I was currently employed at.

Do not rely on your ability to secure a loan. These are difficult financial times and many banks are being very quick to deny just about everyone. Especially since you are unemployed, because even if you're getting or even have a degree, the people sitting there in financial offices are already denying plenty of well-educated people their loans.

I moved into the cheapest possible rental that I could live in. I began buying food at the dollar store (Dollar Tree actually has good stuff and a big fridge/freezer section!), I started a fundraiser online where people could donate, I did webcam shows and sold clips on two adult sites, and many more small things which added up to me managing to afford top surgery in October, just about 5 or 6 months after starting T.

Get a savings account at a SEPARATE bank other than your usual one. Make small deposits in this (even as low as 5 or 10 dollars whenever you can) and do not take it out for ANY reason. Decide that you're going to pretend that money does not exist. If you'd spent it on a spare meal or something it wouldn't, so go ahead and hoard it there for your top surgery.

I got top surgery in October and then I was unemployed for January-April. Despite this fact, I have managed to save up over 2,000$ (I believe 3,000) toward metoidioplasty.

Quote from: Simon on June 18, 2013, 09:42:39 PM
I wonder if that goes by State? I wouldn't think so because it's a federal program. Maybe because we don't live at home (not sure if you do or not) and are considered low income? She has really bad credit. I have no idea what my credit score is but it can't be too great because I owe a lot in medical and I've never owned a credit card or anything to build credit. I start classes this Fall and they have sent me an award letter saying I have the option to take out almost as much as she can if I want.

Not trying to argue with you here. Just want you to be able to get what you need too.

Yeah, I'm not sure whats up with all that.


But I think saving has a lot to do with how you get money for top surgery. Some people can live on very little. If you're able, cut back on unnecessary expenses like going out to eat (even to fast food, if you even eat it, coffee etc) and try to cut costs any way you can. I have it better than most, but I live on very little. I think some of it is what you make, but a lot of it is how you spend it.