aaaanch!! Sounds like you are in exact situation I was in a year ago. I was pretty comfortable with my teeth althought they were overbitten and what not. But I was pretty concerned about cleanin' up and cavities. So, I went to a doctor for a regular teeth checkup and clean up and ended up with braces. I've never given a damn about good smile but when my doctor recommended me braces, I just couldn't resist. So, Yes I've got the braces and I am sure I am pretty older than you. :P It's not fun gettin' braces when you are not a small kid. I'd gone thru bunch of tooth extractions before I got the braces (which were painful). Right now I have got the braces and I have to take extra care of it like brushing umpteenth times a day, avoiding certain foods, putting on ugly lookin rubberbands over the braces urghh!!! annoyin'... the things that I thought I were not capable of doing ever in my life. Now, here I am, it's been a year and my braces has become a part of my life, I don't really feel like I have braces, I brush constantly and do what every my doc. tells me to do. The best and encouraging and exciting part is you can't believe your eyes how quickly those teeth shape up. It's not just about money, it's about discipline and patience. Are you up for it? If yes, then go for it. It's good to get it done in time. I don't know much about financing options. I think it depends on the doctors. About mine, I pay it monthly. It's affordable, no interest, nothing. I just have to go visit my doc monthly, thats when I pay my fee. Thats about it. The most important and the most intriguing thing about your posting was the tooth extraction. I am sure you will have to extract bunch of teeth (depends how many). If you have really made up your mind about getting braces, I'd recommend you to get all the extractions done in Nepal.You will save lots of money and time. I've been thru that and tell you what, it's not cheap, and god forbid if your tooth has to be extracted surgically (not a biggie tho), it is financially back-breaking. They don't care where you have done your tooth extractions tho. Phew, I am excited coz I finally found someone adult who is getting braces. :) Get it done, it's fun. At least for 2 years, you will have a "silver" smile. :)