Cathy,
I'm not familiar with property values in NC? Do you own your own home? Does it have equity from which you can borrow? A home equity line of credit might be a better way to go. Up to $100,000, the interest is tax deductible (more in certain circumstances), the interest is variable, currently
very low, and as you pay it down it's reusable for any other purpose. So you can borrow the money, declare the medical expense and deduct the interest. If these circumstances fit, it's a win/win for unfortunate spines.
Depending on the bank, there are usually some fees involved including title insurance and an appraisal, other bank fees but all of these are negotiable. You might even try an online bank like ING. Anybody know if there are any banks till out there or have all bonues been handed out and everyone already quit
Dale