Body Lift Surgery Questions

I know that I will end up having body lift surgery in the near future because I have to lose over 150 pounds to get to where I want to be. Sometimes skin doesn't go back like its suppose to and I've seen many people have body lift surgery and say it was worth it.

So here are my questions to those who have had this surgery-

How much did it cost?

Do they have any payment plans for those who can't pay the full amount all at once?

Was it painful and is there any side effects that I should know about?

And was it worth it?

I really appreciate some personal feedback (:

20 pounds down- 155 pounds to go