I really appreciate to all you guys.  Probably, I will go for the surgery then talk with the hospital for the payment settlement and monthly payment option as Bittertruth said. And one thing, i have learn the lession, don't skip the insurance if you are eligible for it to save the money as free hib said. Divorce isn't a option for me to get a low income benefits and it takes a time to process as well, I could think to go to nepal /india if it's a last option for me. Thank you all