If you look at it like 5-8,000 will buy a used car and you finance it, finance your LIFE!. A friend paid $25,000 cash in Georgia 8 years ago and has added years to his life, avoiding diabetes, HBP, etc. that will compromise your health as you age being overweight. I know a 30ish couple who borrowed money to finance the husband's surgery in Florida, for the sake of their marriage and their children. She does not regret that decision.