There is not a bank in the U.S. that would loan you money for 24 months at an interest rate less than 7%-8%. If you had an introductory interest-free offer on a credit card, it would only last six to twelve months.


The Federal Poverty Level (FPL) is the most common proxy for fnancial aid consideration. Nearly all hospitals employ some variation of a sliding scale discount in which the discount increases as the patient’s income decreases relative to the FPL. Again, billers can be your friends, but because they’re incented to collect as much as they can, they will probably not advertise their charity care policies upfront. You will have to initiate this conversation yourself.

The 2010 Poverty guidelines
Persons in family 48 States Alaska Hawaii
1 $10,830 $13,530 $12,460
2 14,570 18,210 16,760
3 18,310 22,890 21,060
4 22,050 27,570 25,360
5 25,790 32,250 29,660
6 29,530 36,930 33,960
7 33,270 41,610 38,260
8 37,010 46,290 42,560
Add $3,740 for each additional person. Add $4,680 for each person. Add $4,300 for each person

This is how they work:

Someone earning less than 200% of the FPL might be eligible for a 100% discount while someone at less than 300% of the FPL might only be eligible for a 50% discount. If you make less than 400% of FPL, you might get 25% off charges. The great news is that, FPL is not a fxed number. The more dependents you have, the higher the FPL level is. If you talk to the right person, they will give you these