My therapist once said, "If you can afford to buy a new car you can afford to pay for surgery." Unless you are living at poverty level, you should be able to afford the $18,000 for GRS. A new car is at least that right now.
If you look at your income and where your money is spent, how much of what you spend is on needs? We need a roof over our head, food on the table and clothes on our back. If we're taking trips, buying "toys", eating out, etc, is that more important than GRS? If it is, then you'll have to wait until your priorities change.
And remember, you get what you pay for. This is your body and you will have to live with the results of the surgery the rest of your life. And if you have complications, the costs may go up, even past what a reputable surgeon charges. Don't skimp on your life. It isn't worth it.
Julie