I owe several thousand dollars and I am unemployed on SSDI so I made a payment arrangement and the hospital charges $25 dollars each month to my credit card. Don't charge the entire amount to your credit card though; my uncle did that when he had surgery and now he is going to have to pay a lot in credit fees. If you set up a payment arrangement for even a small amount most hospitals will work with you. Many hospitals offer charity care so ask if you qualify for that to reduce how much you owe.