Practical pointer - student loan money might be cheap, but it's one of the few types of money that you have to pay back one way or another. Those student loan collectors will hound you until you die, literally until you die because there is no bankruptcy for student loan debt. And if you default, student loans become very expensive in terms of penalties and collection fees. Those lenders have made themselves a real nice set of regulations through extensive lobbying over the years, and student loans are often not student-friendly.
Unless, of course, you're eligible for public service loan forgiveness or some other niche debt relief programs. Then it might be worth it, but that stuff only applies to federal loans, not private loans.
In my mind, as someone who is struggling with student loans still almost fifteen years after graduating, it's cheap money but be careful how much you borrow. Those things have a habit of spiraling out of control. Whereas a regular lender will look at your ability to repay before lending you the money, student lenders don't, not because they know you'll easily pay it back, but because they have rigged the rules and you have to pay it back no matter what, plus their huge fees if you slip up and default. And don't even consider having your parents or relatives co-sign for student loans, because it often binds them to the same burden. I've seen many an elderly parent get absolutely screwed in retirement when their kid's forgotten student loans catch up with them.
Depending on how much your surgery costs, it might be a good deal though. As long as we're not talking thousands rather than tens of thousands, then I imagine it'll work out.
