Help Cindy fix her ACL tear in knee

3 weeks ago I tore my ACL in my knee. I need sugary to repair the tear so I can walk again. I have been on crutches and a wheel chair at work. I have insurance, but I have to pay the first 5,000 dollars out of pocket, then insurance will kick in. I have sugary the end of January to fix my knee. After sugary I will need physical therapy to be able to walk again. Physical therapy is very expensive and my insurance will only cover 30 percent of the physical therapy cost. I will have to cover the rest out of pocket. After sugary I will be unabled to work for 6 to 12 weeks, possibly longer. Short term disability will kick in after I miss 10 days of work, but they only cover 60 percent of my income after the 10 days. I have already used all of my vacation hours as I missed work for over a week when I first tore my ACL. Every little bit will help and is greatly appreciated.