Hi, my name is Eloise. I’ve been actively transitioning since 2022.

In May 2023, I underwent partial facial feminisation surgery (FFS) in Marbella. I combined my savings, a loan from Sainsbury’s of £15,000 but £17,605 with interest and support from my parents to have my nose feminised and my trachea shaved. I was happy with the results, but it was all I could afford at the time. My long-term plan was always to return for forehead reconstruction — a crucial part of FFS for me.

While continuing hormone treatment through GenderGP, I stayed in “boymode.” I didn’t feel safe or confident enough to live full-time as myself in public without my forehead being feminised. Like many trans people, I feared ridicule, harassment, and potential hate crimes.

Between 2023 and 2024, I worked hard at my job in order to raise funds to complete my FFS. I successfully secured a surgery date with Facial Team for October 2024, but in August 2024 I was made redundant. Although I had £13,000 in savings, I also had £18,000 of debt, and it took eight months to find stable work again.

Ultimately unable to pay for the surgery in October with Facial Team and because I had to cancel late, I lost my £6,000 deposit.

My savings were trickled down to 5k over 8 months as payments for the loan I took out for FFS over 8 months took £2640 along with the cost of trying to live, find a job and pay of 2 additional credit cards with balances in of 1.5k in arrears.

After an eight month search I finally found a new job, I was able to go ahead with with forehead reconstruction in September 2025, adding around £12,000 in credit card debt as any savings I was able to acrue in 10 months of employment were again decimated this time due to breakdown with my parents.

While I was initially happy with the results of my second round of FFS, a childhood orbital fracture combined with the surgery made an old indentation above my eyebrow far more prominent essentially a dent in my forhead. This has significantly knocked my confidence.

I’m now scheduled for a revision surgery in 2026, which I hope will allow me to finally feel comfortable socially transitioning and living fully as myself.

Despite everything, I’ve worked hard to manage my finances. I’ve already paid off £11,880 of my first loan debt paying £330 per month for three years with two years left to go still owing £5,725.37, however I've added an additional £12,000 worth of debt all of which is now on a 0% interest cards for the next 9 months which I pay of at a rate of £120 per month after which I'll have the do the debt transfer again.

I have a decent-paying job and I’m doing my best to stay afloat.

However, things have recently become much harder.

My parents, who were initially supportive of my transition, have begun to withdraw that support, and I’ve had to buy a house with what little I could put together for a 5% deposit and move out. The house is a sty my parents have helped me to improve it somewhat however I have to move out soon.

When I'm at home with my parents the relationship is strained and when I started purchasing the house I had their support but alone while managing this level of debt has been overwhelming.

On top of this, the NHS still has not started prescribing my HRT. While I wait for care through Nottingham GIC, I’m paying around £30 a month for GenderGP membership and £250 every three months for hormones and blockers — costs that should not exist, but unfortunately do.

I’m asking for help to get through this final stretch — to reduce the financial strain of revision surgery and ongoing medical costs and relationship breakdown.

Once I’m back on my feet, my hope is to pay this kindness forward and support other trans people who are forced into debt just to access the care they deserve.

Thank you so much for reading, sharing, or supporting in any way.

Love,

Eloise

The funds will be used to prepare for the revision of FFS and to live independently because I can't count on family even after they started of supportive.