wp - fwiw I took a dollar tree test with fmu the day af was due and got a bfn and then got light a very clear bfp on a frer later that day.
elp - lots of people are bankrupted by that very scenario. Hospitals will work out payments with you but if you're stretched already it can really kill ya. My bil and sil have no insurance so they just do not go to the dr, they take the kids but they never go unless they absolutely have to. It's really sad, many americans haven't been to a dr in years.
Lola - sorry about the bfn hun but 10dpo there is definitely still hope! A good friend of mine had a home birth after a c-section (babe was transverse) and raved about the differences. She's done but said she's do the vbac again in a second!