Completely got you @deardabby420!
Unfortunately, there’s no $ in providing complete solutions so, if you aren’t prepared to accept what is being dished out (as the bandaid) you’re on your own to figure it out.
(That’s been my experience, anyway.)
So, I’ve been figuring it out (just like you) but in a different country. ;)
Have a listen to this (when you can ) or scan through it:

It may apply to your case.
I went ahead and contacted the Institute. I have been approved for treatment and I’m seriously considering having it done in November. ;)