Thanks for your response, they offer those two options i am a stay home mom and don't have any income,my husband does.I need the money to pay for the deposit,the coordinator said that the doctor required $5000,down I have BCBS in Virginia, my friend that already had the surgery only had to deposited, $2000,she also has BCBS, once I get approved by this loan, is this money would apply to the deposit only or to pay for my coinsurance as well,and nutritionist. Sorry for all the questions but I new at all this,thanks .L.