Just a few words of advice from my experience.
First and foremost be absolutely sure of the PS you choose. I made the major mistake of choosing a PS who didn't do a ton of gyno. (I didn't press him hard enough and he as very generic on his responses.) I had a pretty severe case and the results were extremely disappointing. There was a lot of tissue left. Even worse, with part of the tissue removed, my remaining gyne was tear drop shaped and droopy. I continued to wear tight tee shirts, layer and hated how I looked without a shirt even more.
I did the full research I should have done the first time and got some second opinions. 15 months later, I had the surgery done by another PS. While I think the results will be great (still recovering), I essentially paid double the cost.
Financially you have to do what makes sense for you. Plastic surgeons usually expect full payment at your pre-op visit. They all accept CareCredit and major credit cards. CareCredit has a 6/mo and 12/no no interest plan. Ideally you probably want to save up and pay it all off at once. Fortunately my annual bonus covers the cost, so I used CareCredit and paid it off in full when it came around.