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What it is and how much it can be To start, some clarification.

Transgender, as defined by Merriam-Webster, is "relating to, or being a person who identifies with or expresses a gender identity that differs from the one which corresponds to the person's sex at birth." Which is where sex reconstruction surgery (SRS) comes in. But to simplify, think upper and lower body modifications -- commonly referred to as top and bottom procedures.

"I include them in my transition costs because of the lack of access to care, underemployment, anxiety and weight gain, all as a result of being trans." In a recent report issued by the Center for American Progress, transgender people experience unemployment at twice the rate of the population as a whole.

Mc Cormack is still waiting on "top" surgery, after having completed hormone therapy, and has researched physicians based on price and procedures offered.

In 2005, he started the gender reassignment process.

Mc Cormack holds a graduate degree in divinity and worked in the Unitarian Universalist fellowship ministry.

In response, here are eight safe and sound options for funding gender reassignment.

Yes, it will help, but you are whole already; a full person and worthy of care and love." See related: 10 financing options for cosmetic surgery We encourage an active and insightful conversation among our users.

Please help us keep our community civil and respectful.

"I used my credit card for almost everything, exclusively for the points," she says.

"My mom is a banker, so I learned from a young age. Because she rarely carries over a balance, she almost never pays extra for accumulated interest." Shanahan is also fortunate in that her insurance covered almost 90 percent of her surgical costs.

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