My husband and I just recently had our first child. We are not very well off financially, and the pregnancy had been unexpected. Hospital bills are so hard to pay off, but the biggest ones are put in to some pretty good payment plans. We had to pay about five hundred dollars before we could even leave the hospital with our new baby. We did not have that money in our bank account, so mu husband had to get a payday loan to pay my hospital bills. I do not know what we would have done if we did not have that option.