Is there a medicare rebate for it as well because he should be able to go to medicare and get the rebate so he can pay back your Nan ASAP ... I don't know much about it but I know that lots of medical procedures, even elective and contraversial ones (like circumcision) have a rebate.

I would be annoyed about the tongue ring too if he is borrowing money. Some places that do body piercing take money when you book though (I imagine they would lose a lot of money from people deciding not to otherwise) and he may have already had it booked and paid for before he knew that his gf was pg.