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First off, calm down. Just having an elevated PSA level DOES NOT mean you have cancer. There are many causes for elevated levels including infection and BPH. No doctor should recommend any course of action until you have a confirmed diagnosis of something. If you have an infection, PSA will go down after antibiotics. BPH can also be treated.
Do not worry about "if". If you have a biopsy and you have PCa, look at the options. I do not believe there is any great difference in cost between surgery and radiation. Both have risks and side effects. I do not believe there is any great difference between them. Read the stories on this website for the experiences of people who have undergone the different procedures. If it is cancer and it is early and low grade, there is Active Surveillance as a very good option. Just because you have a diagnosis of PCa does not mean you have to have surgery or radiation.
You have to know more before you worry about what can and can not be done.
Finally what is your age and your PSA level. If you seek advice the more info you feel comfortable giving, the better answers you can get.