Kelly, I agree with Heidi $200 is a great deal.
Having said that, I sent you a PM on April 5 but I don't know if you received it.
Essentially what I said was that my cousin,who has very little money, has a credit card called CareCredit that she uses for vet bills.
She says there is no interest as long as the bill is paid off within 6 months I know lots of vets in my area take this card.(I'm in Ohio too)
CareCredit has a website if you are interested and you can also checkthere to see which vets take the card.
I sure hope you are able to get the little doggie's surgery done.