Maybe contact a teaching university - Cornell maybe
While I understand that your views about dogs, humans, and money are your views and I respect that and your decision as to whether you get her the medical care needed or you *try* to surrender her to a rescue (there are quite a few here in the tri-state and east coast area), I do however, disagree with the statement that not too many people would pay 6K in Vet bills in 6 months. As I know plenty of people (including myself and hubby) that wouldn't even think twice as to providing any and all medical care needed for our pets. And we have done it already (and $ doesn't come easy for us either).
I wish your baby the best and I hope that you don't wait too long to get her the care needed. I am sure you know that the list of Yorkie Rescue can be found in the rescue section.
Also, I have used the this place for Roxy's LP surgery
The Center for Specialized Veterinary Care: Animal Hospital; Stay With Your Pet; Specialty Veterinary Care; Emergency Veterinarians; Best Vet Hospital In New York
Dr. Hinton is who did the surgery and I also recommended her to someone here on YT that need ACL surgery.