For many, in vitro fertilization (IVF) feels like the only hope to grow their family, even if it means taking on significant debt.

Whether you’re worried about affording IVF and surrogacy or traditional IVF has already led to financial strain without success, know that IVF debt doesn’t have to be part of your journey.

Learn more about how we can help you have the family you’ve always dreamed of while protecting your budget in the process. Contact us today.

In this article we will explore the potential risks of going into debt for IVF, the cost efficiency of surrogacy and the financial options available to you.

Financial Realities of Going into Debt for IVF

When natural conception isn’t an option, IVF offers hope. However, this hope often comes at a price. The average cost of one IVF cycle ranges from $12,000 to $15,000, and most people require multiple cycles to achieve success.

While debt can feel like a necessary step to achieving parenthood, it’s important to understand the risks involved:

• High-Interest Debt: Credit cards and personal loans often carry high interest rates, compounding the amount owed over time.
• Emotional Stress: Financial strain can add to the emotional toll of IVF, especially if the treatment isn’t successful.
• Long-Term Financial Instability: Accumulating debt for IVF can affect future financial goals, such as buying a home, saving for retirement, or providing for your child’s needs if the process is successful.

For many intended parents, the financial strain doesn’t stop at IVF. If surrogacy becomes necessary after unsuccessful attempts, it adds to the overall costs. As a result, families are often left wondering if they should continue down the ART path, especially if it means acquiring IVF debt.

Do people go into debt for IVF?

Yes, according to survey data, about 70% of people who pursue IVF go into debt to complete their IVF journey.

Surrogacy: A Cost-Efficient Alternative

For those who’ve faced multiple failed IVF cycles, surrogacy can feel like a daunting financial commitment—but it may be more cost-efficient in the long run.

Unlike IVF, where success is uncertain, surrogacy often has higher success rates for couples with no viable embryos or who struggle with uterine issues or health conditions that make pregnancy difficult, impossible or even dangerous.

By working with a reputable surrogacy agency like ours, you gain access to financial protections, clearly defined cost tiers and support systems that make the process more predictable.

To learn more about what services and resources are covered by our surrogacy costs and how we’ll protect your finances, reach out today.

Avoiding IVF Debt and Affording Surrogacy

If you’re worried about going into debt for IVF on your surrogacy journey, there are options to explore:

Option 1. Grants and Scholarships

Many organizations offer financial assistance for fertility treatments. Look into grants like the Baby Quest Foundation or the Cade Foundation.

Option 2. Crowdfunding

Platforms like GoFundMe allow intended parents to share their story and raise funds from friends, family, and their community.

Option 3. Specialized IVF Loans

Companies like Sunfish or CapexMD offer financing tailored to fertility treatments, often with lower interest rates and flexible payment plans.

Option 4. Clinic Payment Plans

Some fertility clinics offer payment plans to help spread the cost of IVF over time.

Option 5. Using Donor Embryos

Couples or individuals who have leftover embryos from IVF will often donate them to other IVF patients. Using donor embryos for surrogacy can help you avoid the costs of embryo creation, while guaranteeing you embryos.

IVF Debt Management

If going into debt for IVF feels unavoidable or you have no more money for IVF, here are some tips to help you move forward:

• Set a Budget: Calculate how much debt you can realistically afford to take on without jeopardizing your long-term financial stability.
• Consolidate Loans: If you have existing debt, consolidating it into a lower-interest loan can make payments more manageable.
• Seek Financial Counseling: A financial advisor or counselor can help create a debt management plan tailored to your situation.

Is It Time to Pivot to Surrogacy?

If you’re wondering whether to pursue another IVF cycle or to shift your focus to surrogacy, it’s important to weigh both the emotional and financial factors.

Continuing IVF cycles while carrying significant debt can leave you feeling drained, both financially and emotionally.

Surrogacy offers a path to parenthood that, while more expensive upfront, may save you from further financial strain of IVF debt caused by repeated failed attempts.

How We Can Help

We’re here to support you at every step of your journey. Contact us today to learn how surrogacy could be the next step toward achieving your dream of becoming a parent.

From offering financial guidance to connecting you with high-quality surrogates, we ensure your investment in parenthood is supported by the best possible resources.