Hi, making the decision to ultimately have the surgery is the hardest hurdle that I faced. I think that the people that are closest to you can be judgmental however they are hopefully just looking out for your well-being. I have looked into Jenny Craig and I think by the time you join, buy the food week after week after week you could have paid for more than half of the surgery.
I am not an American Citizen so I do not know much about the way your Health Care Insurance works .. but I wish you all the best. If you really want this you way find a way to make it happen. (fingers crossed and my thoughts are with you!)