I guess I should also clarify (since I don't understand where this started), but I'm not in any debt, and I don't owe any businesses any money for the treatment of my pets. My dog has pet insurance, which is $30 per month; it covers the initial treatment of any new conditions, meaning the first few visits were very cheap. His average vet visits are less than $100. He also has an accidental policy that only costs me $10 per month. His vaccines and microchip were through a friend who runs a rescue, she only charges what she pays for them and orders in bulk, that was like $35 total.
I'm sharing this in case anyone needs to know low-cost options in the future. Lots of rescues will help with vaccines, neutering, heartworm prevention/ tests, and microchips. Also, when I did animal rescue, we did lots of emergency fundraisers for low-income families when their pets had emergencies they couldn't afford. You wouldn't believe how many vets would work with us when we told them the situation as long as we had a little money to get things started. They began to trust that we'd raise enough to cover the rest of the bill, and treat the pet immediately. We were able to help so many people that way.
It's not like it used to be when I was growing up. There are options now and vet care doesn't have to cause substantial debt.