For that amount of money you could probably travel to another country and get it significantly cheaper.

you could try researching charities that help trans folks get surgeries. i think that would probably be the most direct method (even if they can only get you part of the way, you might be able to backfill the rest, either with the following methods, or with even a gofundme)

otherwise, advice for this is country specific, but i think US is a good guess, so i can at least speak to it. the main things i can thing off are, getting insurance that would cover it, either through your state's health insurance marketplace or through changing jobs. the other thing is to look into taking out a personal loan and seeing if you can get that amount covered over some amount of time at a decent interest rate, for something you'll actually be able to afford to pay back

i don't know your situation, and it certainly sucks for us that a necessary surgery like this is uncovered and essentially the equivalent of the money you'd put into a cheap car. but it's a very obtainable amount, so don't give up. you'll find a way to get it, one way or another