I live in an area that is small and doesn't have huge vet hospitals. I may be wrong, but we might still actually be in debt from Pepper's surgeries to remove her tumors. Our vet is very generous and lets us pay it back when we can. My parents are honest people and always do as soon as we can, but when Pepper's life was on the line, our vet said he'd jsut put it on the bill, and he'd expect it in a given amount of time(and was very generous with that time). We are lucky to have such a great, and inexpensive vet.