i was told to have 5-7k on hand in case fees go up. the fees can go down. chances are low though. if you've already paid the pre-surgical deposit, i doubt they are going to say pay up 10k or no surgery. the OR is already scheduled for the next day (or day after), it's not worth it for the surgeon imo. you will obviously owe money later, which will mess with your credit if you don't pay.