According to the Centre for Social Justice (CSJ) Britain is now the addiction capital of Europe. Our country has the largest percentage of people addicted to opiates, alcohol, and so-called ‘legal highs’. What’s more, the CSJ says government funding for drug addiction rehab has gradually been cut over the last few decades. The combination of less money and more people in need is having a devastating effect on society.
Thankfully, private rehab centres are picking up much of the slack left behind by NHS programmes. Private clinics offer a number of different therapies that have proven to be successful over the years. One of the most commonly used strategies is the 12-step approach to addiction recovery, first developed in the 1930s.
The only down side to private rehab is the fact that it’s not free. Private programmes can range anywhere from a few thousand pounds to tens of thousands of pounds per month. For the addict who cannot afford such care, options might be limited. In light of that, we would like to take this opportunity to discuss the private rehab loan.
A personal loan is one way to finance addiction recovery at a private rehab clinic. An unsecured loan against your credit card is another option. Both options offer a way to pay for private care even if an individual doesn’t have the cash on hand.
Difficulties with Personal Loans
We’ve helped enough clients access private care to know some of the difficulties surrounding obtaining personal loans. Let’s start by talking about the best-case scenario and go from there.
In a best-case scenario, the client who contacts us will be regularly employed, with a steady income and a relatively stable home life. This individual is still in the early stages of addiction with minimal damage being done thus far. He or she may have enough income and the right history to qualify for a personal loan. For him/her, it will not be much trouble.
On the other end of the scale is the worst-case scenario of chronic addiction. This is a case in which the addict is so far gone as to have destroyed his/her own financial situation. He or she is probably just barely hanging onto a job, if they have one all, and they may be separated from their spouse and children. Getting a personal loan is not possible here. What do they do?
This is where the help of family members and friends comes in. Believe it or not, there are people who love you enough to help if they believe you are willing to do whatever it takes to end your addiction. One of them might be willing to take out a personal loan on your behalf. You cannot lose anything by asking.
Your Commitment to Addiction Rehab Is Essential
When a personal loan is taken out for private rehab, whether you secure it yourself or someone secures it for you, you must understand that your commitment is essential to making the whole thing a success. If you’re not fully committed to rehab, you may reach a point where you’re not likely to complete your programme. Yet do not forget that the borrowed money still has to be repaid.
This is especially important if a family member or friend secured a loan for you. Getting a loan may be your last chance with your loved ones. If you fail on your commitment this time, they may turn their backs on you once and for all. Be sure that you are committed to recovery before you ask someone to borrow money on your behalf.
As a confidential referral service with a history of helping addicts from all walks of life, we are fond of the old adage that says where there’s a will there’s a way. We bring this up simply to make the point that an inability to get a commercial loan does not mean a private rehab loan is totally out of the question. There are other forms of non-traditional financing you might be able to use.
One example is a loan put together through contributions from family members or friends. For instance, let’s say there’s a group of 30 concerned individuals all willing to put up £200 for your treatment. You agree to begin paying off that debt once rehab is complete and you’re back to work. The £6,000 they provide should be enough to pay for a typical 28-day programme.
Another non-traditional loan comes by way of employers. In fact, your employer might even be willing to provide you with a loan if he values your services to the company. An employer loan could be arranged so that once you are back to work payments are deducted from your wage.
Whatever It Takes
The reason for mentioning all of these different types of loans is simply to point out that getting victory over addiction means being willing to do whatever it takes. It means being willing to approach the bank, friends and relatives, and even employers for financial assistance to pay for your treatment. It may be embarrassing and uncomfortable, but that’s far better than continuing to live a life of addiction.
If you prefer to avail yourself of free rehab services from the NHS rather than find a way to pay for private rehab, that’s certainly your choice. However, be aware that NHS services are not nearly as successful. Remember what we said earlier: funding for government rehab has been cut consistently over the last several decades. The money just isn’t there to provide you with a quality treatment you need.
We encourage you to contact us about private rehab even if you think you cannot afford it. We’ll walk you through each of your options, including apprising you of prices and financing options. We will also assist you in making admission arrangements if you’re ready.
Furthermore, you might even be surprised at how affordable private treatment can be. Nevertheless, you’ll never know if you don’t make that decision. The absolute worst that can happen is that we cannot find a way to get you into a private clinic so you end up using free NHS services. However, that’s better than doing nothing at all.
Please don’t continue to delay. You’re not helping yourself or anyone else. Your road to recovery can begin right now if you would just pick up the phone and call.