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​When we are chronically ill it is hard to work to provide for ourselves or our families. Sometimes we need to spend money to work with the appropriate medical professionals and pull ourselves out of illness. If this is the case I strongly recommend taking a personal loan from the bank, speaking with your employer and HR about an HSA card which can be applied at some clinics, consider freelance work of any kind to earn extra cash, consider acquiring a HELOC (equity line of credit on your home). Debt free is the goal, but if we need to go into debt to get healthy, then these options may help you.

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Please remember, initial testing to find your root causes and treatment may be pricey, but is not permanent. Accurate diagnoses lead to accurate treatment, which can accelerate your healing. When your healing is accelerated, you can return to full function sooner, and then work to pay off any debt accrued.