katladyd, certainly do ask about a down payment. Also try Care Credit again - between them and the donations here, you might get enough for a down payment. Talk to your vet and try to make arrangements.

Also, these are DONATIONS from us, not loans. Several years back when the economy was better, this sort of help went on all the time.

Focus on the solution, involve your vet and CC AND iMom, and give Ming hugs and kissies for me.