I looked into Care Credit and found the interest fees prohibitive. Instead, I used my State Farm visa which has a nice low rate to finance Polly's recent surgery. They have a plan which allows users to pay in a set time frame at an even lower rate.

Because my income fluctuates, I can't take SL's suggestion, though I think it's a good one, which could even earn interest if not needed, thus growing the amount set aside.

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