Category: Intended Parents

Whether you are thinking about adding to your family through surrogacy or have already started this amazing family-building journey, these articles are for you.

Should My Surrogate Be Vaccinated for COVID? What Intended Parents Need to Know

Learn why some intended parents prefer a surrogate who has received the COVID vaccine—and how to find one who aligns with your values.

Your surrogacy journey is deeply personal—and every detail matters when it comes to protecting your growing family.

In today’s world, health and safety are more important than ever, which is why many intended parents are wondering if they should look for a surrogate who has received the COVID-19 vaccine.

If vaccination is part of your vision for a safe and supported surrogacy experience, we can help you find a surrogate who aligns with your priorities—without delaying your timeline. Fill out our form today.

Disclaimer: This article is for informational purposes only and should not be considered medical advice. Always consult with a qualified healthcare provider when making medical decisions related to COVID or vaccination.

Should You Choose a Surrogate Who Has Received the COVID Vaccine?

Choosing a surrogate who has received the COVID vaccine is a personal decision, and one that many intended parents make for peace of mind.

While not medically required, vaccination can offer an added layer of reassurance and may align with guidance from medical professionals and fertility clinics.

It’s not about right or wrong—it’s about what feels right for your family. If this is something that matters to you, American Surrogacy can help you find a surrogate whose health choices reflect your preferences.

Is It Safe to Work With a Surrogate Who Isn’t Vaccinated Against COVID?

Medical experts, including the CDC and ACOG (American College of Obstetricians and Gynecologists), have strongly recommended COVID-19 vaccination for pregnant women and those planning to become pregnant.

These recommendations extend to gestational surrogates, who undergo intensive health screening and are responsible for carrying a pregnancy on behalf of someone else.

While it’s not illegal or medically disqualifying for a surrogate to be unvaccinated, there may be increased risks. Pregnancy itself can heighten vulnerability to severe complications from COVID-19.

Choosing a surrogate who has received the COVID vaccine can offer added peace of mind and protection for all parties involved.

Understanding Vaccine Policies in Surrogacy

Vaccination policies vary by agency and clinic. At American Surrogacy, we do not mandate COVID vaccination as a requirement for all surrogates—but we do document each candidate’s vaccine status during our thorough screening process.

 If having a surrogate who has received the COVID vaccine is important to you, we can absolutely filter your matches accordingly.

This gives you the ability to make informed decisions without alienating qualified surrogates who may have different health choices. Our role is to create a respectful, values-aligned match that supports everyone involved.

Learn more about our surrogate screening process to ensure you match with highly-qualified surrogates.

Will Asking for a Vaccinated Surrogate Limit Your Options?

It’s natural to wonder whether setting vaccine-related preferences could slow down the matching process or reduce the number of available candidates.

Fortunately, many of our active surrogate candidates have chosen to be vaccinated, especially those working closely with fertility clinics that recommend or require the vaccine.

Our team is skilled in identifying and matching you with a surrogate who has received the COVID vaccine—without compromising your timeline or overall surrogacy journey.

Why Some Intended Parents Prefer a Vaccinated Surrogate

At American Surrogacy, we help you build a detailed intended parent profile that outlines your values, preferences and priorities—including health-related criteria like COVID vaccination status.

This profile becomes the foundation for identifying surrogates who align with your expectations, lifestyle, and overall vision for the journey.

We can:

  • Include vaccine status as a matching filter
  • Help you clearly communicate your health values from the start
  • Offer education and resources to support informed decision-making
  • Facilitate transparent conversations between you and potential surrogates

We believe thoughtful, intentional matching leads to stronger partnerships—and a more confident, fulfilling surrogacy experience.

Learn more about how we can help you find a surrogate quickly so you can hold your baby in your arms sooner.

 How We Help You Create a Match That Reflects Your Values

At American Surrogacy, we believe your surrogate should reflect your values—not just medically, but personally and emotionally as well. If you prefer a surrogate who has received the COVID vaccine, we can:

  • Prioritize your match based on vaccine status
  • Provide information about each candidate’s health and vaccination history
  • Educate surrogates on medical guidance and vaccine benefits
  • Ensure transparency and shared expectations from the beginning

Our team works closely with both intended parents and surrogates to ensure everyone is on the same page—and that no one feels forced into decisions that don’t reflect their values.

Making the Right Choice for Your Family

Deciding whether to request a surrogate who has received the COVID vaccine is a deeply personal choice.

What matters most is working with an agency that respects your preferences, supports your values, and helps you feel confident every step of the way.

Contact American Surrogacy today to learn more about our matching process and how we can help you move forward safely and confidently.

Inducing Lactation for Surrogacy: How Intended Mothers Can Breastfeed

Learn how inducing lactation for surrogacy helps intended mothers breastfeed, bond, and plan feeding arrangements with confidence.

Breastfeeding your baby after surrogacy may seem out of reach—but it’s more possible than you think.

Many intended mothers have successfully induced lactation for surrogacy, giving them the chance to nourish their baby and experience the same intimate bond as parents who carried their child.

If you’re considering inducing lactation for surrogacy, our specialists at American Surrogacy can help you explore feeding arrangements with your surrogate during the contract stage. Fill out our form today to get quick support.

With the right preparation, medical guidance, and support, your body can produce milk—even without pregnancy.

What Is Inducing Lactation for Surrogacy?

Inducing lactation for surrogacy is the process of stimulating your body to make breast milk without having been pregnant.

By combining hormonal treatments, pumping, and ongoing support, you can prepare your body to provide milk for your baby once they arrive.

This process isn’t just about nutrition—it’s also about bonding. For many intended parents, breastfeeding is a powerful way to feel fully involved in their child’s earliest days.

How to Induce Lactation for Surrogacy: The Newman-Goldfarb Protocol

The most widely used method for inducing lactation for surrogacy is called the Newman-Goldfarb protocol. It was designed specifically for mothers who want to breastfeed but did not carry the pregnancy. Most lactation consultants are familiar with it.

The protocol includes two stages:

  • Hormonal preparation: Birth control pills mimic pregnancy, while a medication like metoclopramide boosts prolactin (the hormone responsible for milk production). This stage usually lasts several months to prepare breast tissue.
  • Pumping phase: About 6–8 weeks before your baby’s birth, you’ll begin pumping 8–12 times per day. This frequent stimulation signals to your body that it’s time to produce milk.

Note: In some countries, domperidone is used to support lactation, but it is not approved for use in the U.S. American parents typically use metoclopramide.

For more detailed guidance, La Leche League provides resources that can help you understand how this process works.

Is Induced Lactation Breastmilk as Good as Natural Breastmilk?

Yes—milk produced through induced lactation contains the same nutrients, antibodies, and growth factors that help protect and nourish your baby.

According to Folx Health, while it may take some time to reach full composition, induced breast milk provides the same essential benefits as traditional breastfeeding.

Benefits of Induced Lactation for Intended Parents

Wanting to breastfeed after surrogacy isn’t really about the nutrition (though that’s great too). It’s about so much more than that.

After watching someone else carry your baby for nine months, breastfeeding can feel like finally getting to be the mom in a really tangible way.

There’s something really special about that skin-to-skin contact and the bonding that happens during nursing. Your body releases oxytocin – the love hormone – which helps you and your baby connect.

After a surrogacy journey where you might have felt a bit on the sidelines, breastfeeding is something that’s just between you and your baby.

Considering the Cost of Medications for Inducing Lactation

The cost of inducing lactation for surrogacy varies depending on treatment length and insurance coverage. On average, families should consider:

  • Metoclopramide: $20–$60/month
  • Birth control pills: $15–$50/month (often covered by insurance)
  • Lactation consultant visits: Varies by provider
  • Breast pump rental or purchase: Hospital-grade pumps are most effective

While these expenses add to overall surrogacy costs, many families find them manageable with advance planning.

How Long Does it Take to Induce Lactation for Surrogacy?

The process usually takes 4–6 months:

  • Hormonal prep: 2–4 months
  • Pumping: 6–8 weeks before the baby’s arrival

Some parents notice milk production within days of pumping, while others take several weeks. Factors like age, medical history, and consistency with the protocol all play a role.

Challenges and Limitations to Consider

Inducing lactation for surrogacy can be amazing, but it’s not always smooth sailing. Not every mom ends up with a full milk supply, and some only make small amounts even when they do everything perfectly.

The medications can make you feel pretty crummy sometimes, nausea, tiredness, mood swings, stomach issues.

And honestly, it can be emotionally tough if things don’t go as planned. Some moms feel really disappointed or stressed if their milk supply doesn’t develop like they hoped.

How to Increase Breastmilk Supply When Inducing Lactation for Surrogacy

If your milk supply is lower than expected, try:

  • Pumping every 2–3 hours (including overnight)
  • Using “power pumping” sessions (10 minutes pumping, 10 minutes rest, repeated for an hour)
  • Ensuring your pump fits properly; hospital-grade pumps are most effective
  • Exploring natural supply boosters like oats or fenugreek—with your doctor’s approval

The Canadian Breastfeeding Foundation emphasizes consistency and equipment quality as keys to better results

Professional Guidance: Who Can Help?

You need expert professional support for inducing lactation for surrogacy.

Your can find a lactation specialist for surrogacy who’s an International Board Certified Lactation Consultant (IBCLC) – that’s the gold standard.

These specialists really know their stuff and can give you personalized advice for your situation.

They’ll help you navigate the whole process and troubleshoot any issues that come up.

When you’re looking for a lactation specialist for surrogacy, make sure they’re IBCLC certified and have experience with induced lactation specifically.

Many of them do virtual appointments too, which is super convenient when you’re still in the preparation phase.

Alternatives if Inducing Lactation Isn’t Possible

If inducing lactation for surrogacy doesn’t work or doesn’t feel right, you still have other nourishing options:

  • Surrogate-provided milk: Some surrogates are willing to pump and supply breast milk.
  • Donor milk: Certified milk banks offer screened donor milk, though it can be costly.
  • Formula: A safe, reliable feeding option used by many families.

Many parents use a combination of these methods to meet their baby’s needs.

How American Surrogacy Supports Your Feeding Journey

At American Surrogacy, we understand that feeding choices are deeply personal. Our team helps you:

  • Discuss breast milk arrangements during your surrogacy contract (including whether your surrogate may pump after birth)
  • Connect with trusted lactation consultants experienced in inducing lactation for surrogacy
  • Explore all feeding options—induced lactation, surrogate-provided milk, donor milk, or formula—so you feel empowered to make the best choice for your family

Our specialists can answer your questions about breastfeeding and help ensure your feeding preferences are included in your surrogacy contract.

Reach out today to begin planning for the feeding journey that feels right for your family.


Finding a Surrogacy Lawyer Nearby: What Intended Parents Should Know

Find a surrogacy lawyer near you. Learn what to ask, why local expertise matters, and how American Surrogacy connects you to vetted attorneys.

Finding a qualified surrogacy lawyer is one of the most critical steps in your journey to parenthood. With the right legal representation, you can navigate complex state laws, secure your parental rights, and move forward with confidence.

The peace of mind that comes from having an experienced attorney ensures that your legal foundation is as strong as your hope for the future.

Start your journey today by contacting a surrogacy specialist today. We’ll connect you with a vetted surrogacy lawyer near you who understands your state’s laws and your unique needs.

Below, we’ll walk you through exactly how to find a surrogacy lawyer nearby, what questions to ask, why state-specific expertise matters, and how American Surrogacy’s attorney network can streamline this crucial step in your journey.

How to Find a Surrogacy Lawyer Near Me

Searching “surrogacy lawyer near me” is only the beginning. Because surrogacy law is highly specialized, you need an attorney with deep experience in reproductive law.

The right lawyer understands assisted reproduction, state-specific statutes, and parentage orders, giving you the protection a basic internet search can’t guarantee.

Focus your search through these trusted channels:

  • Professional Directories: Use the American Bar Association’s lawyer referral directory or your state bar association, filtering for “assisted reproductive technology” or “reproductive law.”
  • Agency Referrals: Agencies like American Surrogacy maintain a network of vetted attorneys who have proven expertise with surrogacy contracts, parentage orders, and state-specific requirements.

Why it matters: An attorney who excels in divorce or adoption may not understand gestational surrogacy. You need someone who practices this law regularly in your state.

The Role a Surrogacy Lawyer Plays in the Surrogacy Contract Process

Your lawyer is the architect of your legal protection. They will:

  • Draft and negotiate your surrogacy contract.
  • Ensure compliance with state-specific requirements.
  • Coordinate with your fertility clinic.
  • Guide you through parentage proceedings so your parental rights are recognized before or immediately after birth.

Because laws vary by state, having an attorney licensed in your jurisdiction is essential to avoid costly delays.

Learn more about the surrogacy legal process.

Do I need a lawyer for surrogacy?

Yes. Independent legal representation is required for all parties in surrogacy arrangements. Beyond this requirement, your lawyer protects your interests at every step—from contract negotiations to establishing legal parentage.

What type of lawyer handles surrogacy?
Specialized family lawyers or assisted reproductive technology (ART) attorneys. They must be licensed in your state and have experience with surrogacy-specific statutes and court procedures.

What should be in a surrogacy contract?

A strong surrogacy contract leaves no room for uncertainty. Your attorney will walk you through each element, ensuring that both your rights and your surrogate’s rights are fully protected.

The most common areas your contract should cover include:

  • Medical decision-making authority: Who can make decisions during pregnancy and delivery.
  • Financial responsibilities: Compensation for your surrogate, medical expenses, and additional costs.
  • Communication expectations: How updates will be shared and what level of contact is expected.
  • Contingency plans: Provisions for unexpected circumstances, such as medical complications.
  • Parental rights protection: Language that establishes you as the baby’s legal parents.
  • Boundaries and responsibilities: Clear definitions of roles for everyone involved.

When written by an experienced surrogacy lawyer, these provisions become enforceable protections that safeguard your journey.

Questions to Ask When Choosing a Surrogacy Attorney

The right questions during your consultation can reveal whether an attorney has the expertise and communication style you need. Key areas to explore include:

  • Experience: “How many surrogacy cases have you handled in the past two years?” and “What percentage of your practice focuses on reproductive law?”
  • Fees: Do they charge a flat fee or hourly rate? What does their quoted fee include, and what additional costs could come up?
  • Communication: What’s their preferred method of communication, and how quickly do they typically respond?
  • Case management: Will they personally handle your case, or delegate to associates?
  • Community connections: Do they regularly work with local surrogacy agencies and fertility clinics?

Most surrogacy attorneys charge between $3,000 and $7,000, covering contract drafting and parentage proceedings. While cost matters, the right fit often comes down to trust, responsiveness, and proven experience in surrogacy law.

State-by-State Differences in Surrogacy Law

Surrogacy laws vary significantly from state to state. Some jurisdictions allow pre-birth parentage orders, while others require post-birth adoption.

Compensation rules, court timelines, and even judge preferences can differ widely, shaping how quickly and smoothly your case moves forward.

This is why local expertise is so important. A surrogacy lawyer who practices regularly in your jurisdiction understands the nuances of local statutes and court systems, ensuring your parental rights are secured without unnecessary delays.

Is your state truly surrogacy-friendly? Find out now.

Agency vs. Independent Search for a Lawyer

If you conduct your own search, you’ll need to vet credentials, evaluate experience, and confirm that the attorney understands surrogacy law in your state—a process that can be both time-consuming and stressful.

By contrast, working with an agency like American Surrogacy connects you with attorneys who have already demonstrated competence in surrogacy cases.

These lawyers are familiar with agency processes, collaborate seamlessly with your support team, and often provide more competitive pricing thanks to their established relationships with agencies.

Choosing an agency-referred attorney gives you the confidence that you’re working with someone proven, not just someone you found online.

Can one lawyer represent both the surrogate and the intended parents?

No. Independent legal representation is required for both the intended parents and the surrogate.

This safeguard ensures fairness, prevents conflicts of interest, and protects the rights of everyone involved in the surrogacy process.

What’s the role of a surrogacy attorney vs. agency?

Surrogacy agencies and attorneys play different but connected roles. The agency manages matching, screening, and coordination, while the attorney focuses exclusively on legal protection and compliance.

When your agency refers you to independent counsel, you benefit from a partnership where both professionals are working toward the same goal: protecting your family’s journey and ensuring every step is completed correctly.

Why Agency-Connected Attorneys Are Preferable to In-House Legal

While some agencies employ in-house lawyers, this arrangement can create conflicts of interest between agency priorities and client rights. Independent attorneys recommended by your agency offer the best balance.

They’ve already proven themselves through successful cases, but because they are not on staff, their sole duty is to advocate for you.

This independence ensures you get personalized guidance, reliable communication, and continuity of legal support even after your initial surrogacy journey is complete.

How American Surrogacy Supports Your Legal Needs

At American Surrogacy, we take the guesswork out of finding the right surrogacy lawyer.

Our vetted attorney network includes professionals who focus exclusively on reproductive law, maintain excellent track records in surrogacy cases, and understand the unique aspects of our agency’s matching and support services.

Fill out our form today to get matched with a surrogacy lawyer near you and take the next step toward building your family.

With this support, you can move through your surrogacy journey with confidence, knowing your parental rights are fully protected.

Is a Double Embryo Transfer More Successful for Surrogacy?

Single embryo transfers provide safer outcomes with success rates close to double transfers—without the risks of multiples.

It’s natural to think that transferring two embryos might double your chances—or even lead to twins. But the truth is, double embryo transfer (DET) is not always the safest or most successful choice.

Research shows that single embryo transfer (SET) often provides better outcomes for both surrogates and babies.

Ready to explore your options? Contact a surrogacy specialist today and get guidance tailored to your family-building goals.

Whether you’re hoping for twins or simply want to shorten your journey, there are proven alternatives that protect your surrogate’s health while giving you the best chance of growing your family quickly.

Can You Do a Double Embryo Transfer in Surrogacy?

Yes, DET is possible, but most fertility specialists and surrogacy agencies recommend single embryo transfer as the gold standard.

  • Why: The American Society for Reproductive Medicine (ASRM) guidelines generally advise SET when high-quality embryos are available.
  • Who Decides: The choice ultimately rests with you, your surrogate, and your fertility team. Factors include embryo quality, medical history, and your surrogate’s comfort.
  • Surrogate Preference: Many surrogates favor SET because it reduces health risks and complications—a preference that’s both personal and medically sound.

Honest conversations about transfer preferences should happen early in the matching process to ensure everyone is aligned.

Disclaimer: This article is for informational purposes only and is not intended as medical advice. Decisions about embryo transfer protocols should always be made in consultation with a qualified reproductive endocrinologist or fertility specialist.

Multiple Single Transfers  vs. Double Embryo Transfer: Success Rates, Risks, and Safer Alternatives

Studies show that transferring two embryos at once can lead to higher chances of a live birth compared to transferring just one—about 42% with double embryo transfer versus 27% with a single transfer.

However, the risk of twins or multiples is much higher with double transfers, occurring in nearly 29% of cases compared to only 2% with single transfers.

When doctors follow up a single transfer with an additional frozen single embryo transfer, the overall live birth rate (38%) ends up very close to that of a double transfer (42%), but with almost no risk of multiples.

These outcomes held true regardless of the woman’s age, fertility history or embryo quality.

Will Transferring Two Embryos Guarantee Twins?

Yes, double embryo transfer significantly raises the likelihood of twins by 27% but the outcomes can vary. Both embryos may implant, resulting in twins, or just one may implant, leading to a singleton pregnancy.

In some cases, neither embryo implants, which means the cycle fails, and there’s also the rare possibility that one embryo could split, creating a triplet pregnancy with very high risks.

Importantly, DET does not guarantee higher success rates, since high-quality single embryo transfers often achieve similar outcomes without the additional risks.

The Hidden Risks of Double Embryo Transfer for Surrogates

Multiple pregnancies create greater medical risks for surrogates:

  • Higher rates of gestational diabetes, preeclampsia, and preterm labor.
  • Preterm birth in ~60% of twin pregnancies, compared to 10% in singletons.
  • Longer NICU stays and greater risk of developmental complications for babies.
  • Increased likelihood of C-section delivery and longer recovery times for surrogates.
  • Emotional and lifestyle impacts: more restrictions, bed rest, and strain on family life.

These risks explain why many surrogates prefer SET and why medical professionals increasingly recommend it.

Want Twins or a Quicker Path to Parenthood? Here’s a Safer Way

The longing for twins—or to complete your family sooner—is real. Fortunately, there’s a safer, smarter approach: dual staggered journeys.

A dual staggered journey allows intended parents to work with two surrogates on overlapping timelines, offering a safer and more efficient path to family building. The benefits include:

  • Safer pregnancies: Each surrogate carries a singleton, avoiding the higher risks of twin or triplet pregnancies.
  • Two chances at success: You increase the odds of at least one successful pregnancy instead of relying on a single transfer.
  • Shorter timeline: Children can be born close in age, giving you the experience of siblings growing up together.
  • Reduced emotional pressure: If one journey encounters complications, the other may still progress, offering reassurance and stability.
  • Better long-term value: While the upfront investment is higher, dual journeys are often more cost-effective than double embryo transfer or waiting through back-to-back surrogacy processes.

 While this requires more upfront investment, many families find it more cost-effective than risking DET or waiting through back-to-back journeys.

Dig deeper: Our dual staggered journeys

How We Provide The Ability to Work with Two Surrogates so You Can Grow Your Family Faster

At American Surrogacy, we’ve designed our dual staggered journeys to give families a safer alternative to double embryo transfer while still helping them grow faster.

This approach allows both women to carry single pregnancies—dramatically reducing health risks—while still making it possible for your children to be born close in age.

With our extensive surrogate network, most families find both matches in as little as 1 - 4 months.

We recommend beginning the second journey once the first surrogate reaches 20 weeks, which helps balance safety with efficiency.

We also personalize matches based on geography, communication style, and family preferences, ensuring strong, healthy relationships on both journeys.

 Take the Next Step Toward a Safer, Smarter Family-Building Journey

Building your family is one of the most important journeys of your life, and you deserve a path that is safe, effective, and designed for long-term success.

At American Surrogacy, we combine medical expertise with compassionate support to help you make confident decisions about embryo transfer and family building.

Don’t leave your family’s future to chance. Fill out our form today to speak with a surrogacy specialist and begin your journey toward parenthood.

How to Find Surrogacy Loans—and Choose the Right One for Your Family

Explore how to get loans for surrogacy, compare lenders, and find out how American Surrogacy supports your journey with trusted partners.

You don’t have to put your dream of becoming a parent on hold because of finances.

With the right surrogacy loan, you can make this journey achievable — without draining your savings or delaying your timeline.

Learn more about how you can afford surrogacy and have the family you’ve always dreamed of.

Whether you’re just starting to explore surrogacy or are ready to match with a surrogate, this guide will walk you through your best financing options — and how American Surrogacy can help you find the right loan for your family’s future.

Where Can We Get Loans for Surrogacy?

There are two primary types of lenders offering loans for surrogacy:

  • Fertility-specific lenders: Companies that specialize in reproductive health financing and understand the surrogacy process.
  • Traditional lenders: Banks, credit unions, or online platforms offering general-purpose personal loans.

Each option comes with pros and cons. The best choice for you depends on your credit profile, loan amount, and whether you need support tailored to surrogacy-specific costs and timing.

Fertility Financing Companies for Surrogacy Loans

Fertility lenders often offer the most surrogacy-friendly features — like payment schedules that match your agency and medical billing timeline.

Top providers:

  • Sunfish: American Surrogacy’s partner lender, Sunfish offers surrogacy-specific loans with terms of 2–7 years, competitive rates, and flexible repayment options.
  • CapexMD: A leader in medical financing, CapexMD works with a wide range of credit profiles and understands the complexities of surrogacy costs.
  • Future Family: Offers fertility loans plus concierge-style services. Personalized loans are tailored to your treatment plan, with additional support for LGBTQ+ families.

Why choose a fertility lender? They’re often more understanding of your journey and may offer deferments, flexible disbursement, and empathetic customer support.

Personal Loans for Surrogacy: Banks, Credit Unions, and Online Options

Traditional personal loans are another path to funding surrogacy. These loans usually offer fixed interest rates, predictable payments, and fast access to funds.

Common Sources:

  • Banks like PNC may offer fertility-specific loans or personal loans
  • Credit unions with member-friendly rates
  • Online lenders such as SoFi, Marcus, and LendingClub

Key Benefits:

  • Lump-sum distribution gives you full control over spending.
  • Competitive rates available for borrowers with strong credit.
  • Wide range of loan amounts — from $10,000 to $100,000.

Unlike fertility lenders, traditional lenders may not offer support aligned with surrogacy-specific billing cycles or milestones.

Other Types of Surrogacy Loans

Loans for Surrogacy if You Have Bad Credit

Even with a lower credit score, you still have options for financing surrogacy — though your interest rates and loan terms may differ.

Common options if you have low credit:

  • Co-Signed Loans: Partnering with a trusted relative or friend can unlock lower rates.
  • Credit Unions: Often more flexible than big banks, especially if you’re an existing member.
  • Unsecured Loans: Some lenders may offer unsecured loans. These loans don’t require collateral but may carry higher interest rates and shorter terms.

Tip: Improve your chances by reducing other debts before applying, or explore credit-builder loans if you’re planning ahead.

LGBT Surrogacy Loans and Grants

Intended parents in LGBTQ+ relationships have access to the same surrogacy loans as any other couple.

Whether you apply with a partner or as a single parent, lenders like Sunfish, Future Family, and CapexMD evaluate your application based on financial eligibility, not family structure.

Several nonprofit organizations offer grants tailored to LGBTQ+ couples and individuals pursuing parenthood through surrogacy.

 Men Having Babies offers a Gay Parenting Assistance Program (GPAP) to reduce surrogacy costs for gay men through discounts and cash grants.

If you identify as LGBTQ+ and are pursuing surrogacy, these grants can supplement loans and help close the funding gap — no repayment required.

What to Know Before Taking Out a Surrogacy Loan

Before choosing a loan for surrogacy, make sure you understand these key details:

  • Interest Rates: Range from 6%–20% APR. Fixed rates = predictable payments.
  • Terms: Longer repayment = lower monthly payments, but higher total interest.
  • Fees: Watch for origination fees, late charges, or early payoff penalties.
  • Eligibility: Based on credit score, income, and debt-to-income ratio.
  • Budgeting: Plan not just for pregnancy — but for the increased expenses after your baby arrives.

Alternatives to Loans for Surrogacy

Not every family chooses to take out a loan. These alternatives may help reduce or eliminate the need to borrow:

  • Fertility Grants: Awards from $2,000–$10,000 from organizations like Baby Quest and Tinina Q. Cade Foundation.
  • Employer Benefits: Ask HR about surrogacy coverage or fertility stipends.
  • Fundraising: GoFundMe, family loans, or community events can help offset costs.
  • HSA/FSA Funds: Some medical expenses may be eligible for tax-advantaged coverage.

Is Financing Surrogacy Worth It?

For most intended parents, the answer is yes.

Surrogacy loans provide the opportunity to start your family now — not years from now. The peace of mind, structure, and momentum they offer often outweigh the cost of interest.

Financing allows you to:

  • Start sooner
  • Preserve savings
  • Protect your financial future
  • Plan monthly payments with predictability

When you hold your baby for the first time, that monthly payment becomes more than worth it.

How American Surrogacy Supports Your Financing Plan

At American Surrogacy, we understand that the cost of surrogacy can feel overwhelming — and we’re here to make the financial path clearer, safer, and more achievable.

 Partnership with Sunfish: Expert Financing, Tailored for Surrogacy

We’ve partnered with Sunfish, a trusted fertility financing provider, to help our families access loans designed specifically for the surrogacy process. With terms built around typical surrogacy milestones, Sunfish offers:

  • Competitive interest rates
  • Flexible repayment options
  • Fertility-aware customer service
  • Loan disbursements timed to agency and clinic payments

Because they understand the unique structure of surrogacy costs, Sunfish offers a smoother, more supportive financing experience than many general lenders.

Financial Protection Through Our Limited Risk Program

In addition to loan guidance, we offer our Limited Risk Program, which provides built-in protection for your surrogacy investment.

This program is designed to minimize your financial exposure if unexpected complications arise during your journey.

Protect your investment with our Limited Risk Program

It’s one more way we help ensure that your finances are secure — so you can focus on what matters most: becoming a parent.

Take the First Step Toward Affording Surrogacy

Finding the right loan for surrogacy isn’t just about interest rates — it’s about choosing a financing strategy that supports your family’s future with confidence and care.

Contact American Surrogacy to start your financing plan.

Whether you’re comparing lenders, calculating your budget, or exploring our Limited Risk Program, we’re here to guide you.

Our Surrogate Ghosted Us: How to Restart Your Journey with an Agency

Your surrogate ghosted you without warning? Learn why surrogates stop communicating and get actionable steps to restart your journey.

Getting matched with a surrogate feels like your dream of becoming parents is finally happening. You’ve been texting, sharing hopes, building a genuine connection. Then suddenly, radio silence strikes.

Understanding why communication breakdowns happen and knowing your next steps can help you navigate this situation.

With the right professional support, you can get matched with a committed surrogate in 1 - 4 months. Connect with a surrogacy specialist today.

What Does It Mean if a Surrogate “Ghosts”?

When a surrogate stops all communication without explanation, she has “ghosted” you. This goes beyond normal response delays.

Normal communication gaps happen—your surrogate might need a day or two to respond due to work or family obligations. When days stretch into weeks without response, especially during critical moments like medical appointments, you’re dealing with genuine ghosting.

The timing matters. Early-stage ghosting involves fewer legal complications than communication breakdowns after contracts are signed.

Why Might a Surrogate Stop Responding?

Understanding why your surrogate went quiet might help you process what happened, though it doesn’t make it less frustrating.

  • Life happens. She might be dealing with unexpected family issues, health problems, or relationship changes that make continuing impossible. Sometimes these things develop fast.
  • Emotions get overwhelming. Surrogacy is emotionally intense, and some surrogates—especially first-timers—might not realize how overwhelming it gets. They might feel anxious about medical procedures, legal commitments, or the relationship dynamics.
  • Practical stuff changes. Job loss, moving, or family shifts might make surrogacy feel impossible. Sometimes surrogates realize they weren’t ready for the time commitment and lifestyle changes.
  • Communication feels awkward. If she feels you’re checking in too much or she’s uncomfortable with your communication style, she might withdraw instead of talking about it.

Processing the Emotional Impact

When your surrogate stopped responding, the devastation goes beyond delayed timelines. You’ve invested tremendous emotional energy, hope, and trust.

Betrayal runs deep because surrogacy requires vulnerability. You shared personal dreams and trusted her with your deepest desire. Her disappearance feels like rejection of both the arrangement and your worthiness to become parents.

You’re grieving multiple losses: invested time and energy, expected timelines, and the envisioned future. Anxiety about next steps overwhelms—finding another surrogate, additional delays, trusting the process again.

Anger is natural when abandoned during vulnerability. These emotions are valid and deserve processing time.

Legal and Contractual Considerations

Your legal options depend on timing and whether you have signed contracts.

Without contracts, you typically have minimal legal recourse. No binding agreements mean little foundation for compelling responses or seeking damages.

With contracts, your position strengthens. Well-drafted agreements include communication requirements and breakdown procedures. Many require mediation before termination.

Financial considerations vary by contract terms and timing. Comprehensive agreements explain expense handling if arrangements end unexpectedly, protecting you from bearing all costs.

What to Do if Your Surrogate Ghosts You

How you handle the immediate situation can significantly impact resolution or protecting yourself later.

  • Save everything. Keep all texts, emails, call records, and social media screenshots. This becomes crucial for legal action or proving communication attempts.
  • Try different contact methods. Call, text, and email, but don’t bombard her. A calm, concerned message works better than demanding immediate responses.
  • Contact your agency if working with one. Good agencies know what to do and might reach your surrogate through alternative contacts.
  • Involve your lawyer when necessary. If contracts exist and she remains unresponsive, your attorney can send formal correspondence. Legal communication sometimes gets responses when personal messages don’t.
  • Stay off social media. Posting publicly can complicate legal proceedings and hurt your surrogacy community reputation.

How Agencies Prevent & Resolve Surrogate Ghosting

Working with a good surrogacy agency makes ghosting much less likely, though nothing’s guaranteed.

  • Thorough screening is the first defense. Quality agencies thoroughly vet potential surrogates through psychological evaluations, medical checks, and background screening.
  • Clear communication rules set expectations with regular check-ins and response times. This prevents misunderstandings and maintains contact throughout the process.
  • Ongoing support helps address issues before they become ghosting. Case managers spot communication problems early and intervene.
  • Financial protection safeguards your investment. Many agencies offer programs protecting against surrogate withdrawal.
  • Smart matching increases compatibility by considering personalities, communication styles, and expectations.

While ghosting can still happen with agencies, it’s much less common than going alone. When it does occur, agencies have established procedures to protect you and help you move forward quickly.

Starting Over: Finding a Reputable Surrogacy Agency After a Bad Experience

Getting ghosted doesn’t end your dream—it means you need better support moving forward.

If you’ve been doing surrogacy independently, this shows why professional help matters. Good agencies thoroughly screen surrogates not just medically and legally, but psychologically for readiness and commitment. This dramatically reduces communication breakdowns and disappearing acts.

Your path to parenthood deserves better protection. The right agency transforms surrogacy from risky solo adventure into supported, structured process designed to minimize setbacks.

How American Surrogacy Can Help You Find a New Surrogate Quickly

When your surrogate stopped responding, time becomes critical. Every delay extends your journey to parenthood and increases emotional stress.

At American Surrogacy, we can provide you with a match in an average of 1 - 4 months months by maintaining an active database of pre-screened, committed surrogates ready to match with intended parents.

Our thorough vetting process means we can quickly identify suitable candidates who align with your needs and preferences.

We understand the urgency and work to minimize delays, often facilitating new matches within weeks rather than months.

Learn more about how we can help you become parents sooner. You’ve waited long enough.

How Much Does it Cost to Restart The Surrogacy Process After A Surrogate Backs Out?

Surrogacy typically costs $100,000 - $200,000+ , making financial protection crucial when relationships fail. Restart costs vary based on your previous arrangement and existing protections.

Independent arrangements offer minimal protection. You may lose legal fees, medical expenses, and compensation with little recourse, potentially doubling your total surrogacy investment when starting over.

At American Surrogacy, our programs include pre-screening and built-in financial protection within our costs.

While the investment is significant, our comprehensive approach—including unlimited matching guarantees—makes the protection worthwhile and often saves money compared to multiple independent attempts.

Early-stage ghosting limits losses to consultation fees. Communication breakdown after medical procedures results in substantially higher losses, making agency protection even more valuable.

How American Surrogacy Protects Intended Parents

We understand your parenthood path is too important to leave vulnerable to communication breakdowns. Our comprehensive approach provides multiple protection layers.

  • Pre-screening: Our pre-screening goes beyond basic requirements. Every surrogate undergoes extensive psychological evaluation, medical screening, and background verification, identifying uncommitted individuals and reducing breakdown risks.
  • Limited Risk Program: Built-in financial protection through our Limited Risk program ensures no additional fees for unlimited matching when matches fall through—removing make-or-break pressure from individual relationships.
  • Case management: Our case management team provides ongoing support, recognizing early warning signs and resolving issues before complete breakdown.

Our multi-layered approach dramatically reduces risks while providing clear resolution pathways. Your journey deserves this professional protection and comprehensive support.

Learn more about our surrogacy programs and how we can match you with a surrogate quickly while protecting you financially.

Moving Forward with a Surrogate Who’s on the Same Page

When your surrogate stopped responding, it felt like your parenthood dreams were shattered. While this setback is painful and frustrating, it doesn’t define your journey or determine your future success.

Your dream of holding your baby is still achievable—it just requires the professional guidance and security you deserve.

Ready to restart your journey with proper protection? Contact American Surrogacy today to learn how we can help you find a committed surrogate quickly and safely.

Could I Sign Up for 2 Surrogacy Agencies at the Same Time?

Most surrogacy agencies prohibit dual enrollment. Discover why working with one exceptional agency delivers faster results than juggling two.

The thought of signing up with two surrogacy agencies at the same time probably feels like a hack to find a surrogate faster so you can finally hold your baby in your arms.

Here’s the reality: most surrogacy agencies won’t allow this. Their exclusivity policies mean attempting dual enrollment often requires deception that can terminate your contracts, forfeit your fees, and create legal liability.

Stop waiting and get matched in 1-4 months with our pre-screened surrogate network. Fill out our quick form now.

Let’s break down why working with two agencies creates more problems than solutions, and what actually determines how fast you’ll get matched.

Could I Sign Up for Two Surrogacy Agencies at the Same Time?

Most likely, no. Most surrogacy agencies do not allow you to work with multiple providers simultaneously due to exclusivity agreements that protect the agency, intended parents and surrogates.

These policies ensure focused service, prevent conflicting protocols, and maintain clear legal boundaries throughout your journey.

Why Intended Parents Consider Multiple Agencies

The appeal of working with two surrogacy agencies at the same time stems from understandable fears and desires.

After months or years of fertility struggles, any strategy that might accelerate your path to parenthood feels worth exploring.

Many intended parents believe multiple agencies will reduce wait times by doubling their matching opportunities.

Others worry they chose the wrong agency initially and want a backup option without starting over completely. Some families planning multiple children through surrogacy think separate agencies might provide more surrogate options.

The fear of putting everything with one provider resonates strongly after hearing stories about agency failures or disappointing experiences. These concerns make perfect sense emotionally, even when the practical reality proves different.

The Hidden Costs and Legal Risks of Dual Agency Enrollment

Since most surrogacy agencies have exclusivity policies, intended parents who work with two surrogacy agencies at the same time often aren’t transparent about their dual enrollment. This deception creates consequences far beyond financial strain.

When agencies discover you’ve violated exclusivity agreements—which they often do during surrogacy coordination—you risk immediate contract termination and forfeiture of all fees paid.

Maintaining dual agency relationships requires coordinating separate medical appointments, legal consultations, and evaluations without either agency knowing about the other.

This often means falsifying information on intake forms, potentially creating fraud liability.

How You Can Shorten Your Wait Times with One Agency

Instead of pursuing two surrogacy agencies at the same time, focus on identifying one agency with systems that actually minimize delays.

The most important factor is whether the agency screens surrogates thoroughly before offering matches to intended parents.

Many agencies offer matches with surrogates who haven’t completed full screening, leading to failed matches when surrogates can’t pass medical or psychological requirements months later.

At American Surrogacy, we pre-screen every surrogate before presenting them to intended parents. When you review potential matches, you’re seeing surrogates who have already passed all screening requirements except the final evaluation by your clinic.

This approach prevents the heartbreak and delays of investing months in relationships with surrogates who ultimately can’t proceed with your journey.

Learn more about how we help you become parents faster.

The Smart Alternative: Dual Surrogacy Programs

If your goal is multiple children or faster family completion, working with two surrogacy agencies simultaneously isn’t your only option.

Dual surrogacy involves working with two surrogates through the same agency, in carefully timed succession.

This approach offers the ability to grow your family faster while maintaining consistent policies, communication and support throughout both journeys.

Your support team remains consistent, legal frameworks align and medical coordination stays streamlined across both pregnancies.

American Surrogacy’s Dual Journey Approach

Our staggered approach allows intended parents to begin a second surrogacy journey once their first surrogate reaches 20 weeks of pregnancy.

This timing provides confidence in the first pregnancy’s progress while initiating the search for a second surrogate. Starting earlier often creates unnecessary stress and complications that can jeopardize both journeys.

During the interim period between starting your first and second journeys, our team helps you prepare for the additional match, complete any remaining requirements, and ensure you’re emotionally and financially ready for dual processes.

Learn more about our staggered dual surrogacy program for the quickest path to having the family you’ve always dreamed of.

Focus on One Exceptional Agency Partnership with American Surrogacy

At American Surrogacy, our streamlined processes are designed to help you achieve your family-building goals efficiently—without the legal risks and complications of managing multiple agency relationships.

Get started with American Surrogacy today and discover why thousands of families have trusted our comprehensive approach to help them grow their families. Speak with a specialist today.

Whether you’re hoping for one child or planning dual surrogacy journeys, you’ve waited long enough to become parents.

Childless After IVF? Surrogacy Can Help You Become a Parent

Childless after IVF? Learn how surrogacy addresses specific IVF failure causes while using your existing embryos for better success rates.

What if being childless after IVF doesn’t mean your journey to parenthood is over?

After multiple failed cycles, transferred embryos that didn’t implant, and months or years of hoping each attempt would be “the one,” surrogacy can offer a renewed path to the family you’ve been fighting to build.

Connect with our team to learn how surrogacy for childlessness can help you use finally welcome your baby home.

Being childless after IVF doesn’t mean your journey to parenthood is over—it means you’re ready for a path that actually works

What No One Tells You About Why IVF Keeps Failing

Recurrent implantation failure occurs when genetically normal embryos repeatedly fail to implant despite optimal laboratory conditions.

The most common medical reasons include:

  • Uterine factors like fibroids, uterine scarring, adenomyosis, or thin endometrial lining that prevent implantation.
  • Age-related factors significantly impact both egg quality and uterine receptivity, particularly after 35.
  • Autoimmune conditions can interfere with pregnancy establishment, while some cases remain unexplained despite normal test results.

Many intended parents discover that their embryos were healthy—they just needed the right environment to grow.

If you’re questioning whether another IVF attempt is worth it or if it’s time to move on, learn more about what to ask your doctor after multiple failed IVF cycles.

The Hidden Emotional Toll of Being Childless After IVF

The transition from active IVF treatment to considering alternative paths involves complex emotions that deserve acknowledgment.

Being childless after IVF creates a unique form of grief—mourning the loss of the pregnancy experience you envisioned while questioning whether your body has somehow failed you.

This journey often brings feelings of isolation, as friends and family may struggle to understand the depth of your loss. Fear creeps in, making you wonder if any path to parenthood will work for you.

Healthy coping includes seeking professional counseling from fertility specialists, connecting with support groups, and taking intentional breaks to process and heal.

Most importantly, focusing on strengthening your partnership creates a foundation for whatever comes next.

How Surrogacy Solves What IVF Couldn’t

Surrogacy addresses many specific factors that make IVF unsuccessful while preserving your genetic connection to your child.

Success rates with quality embryos through surrogacy are often significantly higher than continued IVF attempts for intended parents who’ve experienced multiple failures.

Medical problems surrogacy bypasses:

  • Uterine environment issues like endometriosis, adenomyosis, or thin lining
  • Recurrent implantation failure with healthy embryos
  • Age-related uterine receptivity decline
  • Autoimmune conditions interfering with pregnancy establishment
  • Medical conditions that make pregnancy dangerous for you

Learn more about how surrogacy after failed IVF can help you become the parents you’ve been waiting to be.

Can You Afford Another Failed IVF Attempt? The Real Cost of Trying Again

After multiple IVF failures, the true cost of continuing treatment often exceeds surrogacy expenses while delivering diminishing returns.

Each additional IVF cycle costs $15,000-$40,000 with success rates that decrease after each failed attempt—meaning you could easily spend $60,000-$100,000+ on four more cycles with uncertain outcomes.

Surrogacy ranges from $100,000 - $200,000+ total, but offers consistent success rates and opportunities for financial protection.

When you factor in the emotional cost of repeated failures and the time lost pursuing unsuccessful treatments, surrogacy often represents better value for reaching your goal of parenthood.

Smart Financial Planning After Your IVF Investment

Many families find that surrogacy represents better value than continued IVF attempts, with higher success rates justifying the investment.

After significant IVF investments, financial planning for surrogacy for childlessness requires strategic approaches.

Post-IVF financial strategies you can utilize include:

  • Honest assessment of remaining resources after IVF expenses
  • Insurance benefit evaluation for surrogacy coverage
  • Fertility financing companies that understand your treatment history
  • Grant opportunities for families who’ve experienced fertility challenges
  • Employer benefits that may cover surrogacy after IVF failures

Our programs are upfront about what’s included and what’s not so that you can budget effectively.

Additionally, our Limited Risk Program offers comprehensive coverage and financial protection.

Learn more about how our costs save you time and money in the long run.

Can You Use Your IVF Embryos with a Surrogate?

Yes. Many intended parents find that embryos created during IVF cycles work beautifully with surrogacy—they just needed the right environment to succeed.

The transfer process mirrors your IVF preparation, with the surrogate undergoing medical preparation while your embryos are transferred to her uterus.

High-quality embryos that didn’t implant during IVF often perform well in surrogacy, with success rates typically matching or exceeding fresh cycles.

The surrogacy process becomes streamlined when you already have embryos because no additional egg retrievals are needed and the timeline from matching to transfer can be shorter.

Why American Surrogacy Gets Your Post-IVF Journey

After the medical complexity of IVF, choosing a surrogacy agency that understands your journey becomes vital.

At American Surrogacy, we regularly work with intended parents transitioning from IVF, providing seamless coordination between your clinic and surrogacy process.

What sets us apart for post-IVF families:

  • Staff that understands the unique emotional landscape of being childless after IVF
  • A surrogacy program with built in financial protection
  • Comprehensive screening ensuring all surrogates have successfully carried pregnancies to term
  • Quick wait times to help you become parents faster

You’ve waited long enough to become parents. Learn more about how we can match you in 1 - 4 months, ensuring you have more time spent with the family you’ve been waiting to have.

Your Next Chapter Starts Now

Surrogacy for childlessness after failed IVF isn’t admitting defeat—it’s choosing a path that works with your medical reality while honoring your commitment to parenthood.

Ready to explore how surrogacy can help you become parents? Contact our team today to take the next step toward the family you’ve been fighting to build.

You’ve already proven your dedication to becoming parents. Now let us help you find the path that finally leads to your baby.

Are There Surrogacy Programs Offering Payment Plans or Financing?

Learn how surrogacy programs with financing options make family building affordable through payment plans, loans and employer benefits.

Today, more families than ever are turning to a surrogacy program that offers financing, combining flexible agency payment plans, fertility-specific loans, grants and employer benefits to make the process manageable.

That’s why we partner with Sunfish, a trusted fertility financing platform, to provide payment solutions designed specifically for the unique timeline of surrogacy.

Fill out our contact form today to get personalized financing options and take the first step toward your surrogacy journey with confidence.

Are There Surrogacy Programs Offering Payment Plans or Financing?

Yes — many intended parents begin their journey through a surrogacy program that offers financing, making the process more manageable without paying the full cost upfront.

Surrogacy is a significant investment, often ranging from $100,000 - $200,000+ depending on medical, legal and agency fees. Fortunately, financing options allow you to:

  • Start with a smaller initial payment
  • Spread costs over 12–84 months
  • Preserve savings while building your family
  • Use employer benefits or tax advantages

Below, we’ll break down how different financing solutions work, what American Surrogacy offers, and how to build a realistic budget.

Learn more about how you can get closer to parenthood with financing through Sunfish.

Agency-Offered Financing: What to Expect

Many intended parents want to know if there’s a surrogacy program that offers financing directly through agencies. The answer is yes.

Reputable agencies understand affordability concerns and often partner with financing companies focused on fertility.

At American Surrogacy, we’ve partnered with Sunfish to make financing more accessible:

  • Streamlined approval that aligns with your surrogacy timeline
  • Fertility-focused loan terms designed for treatment milestones
  • Transparent payment schedules so you know exactly what costs are covered

Through Sunfish, families typically access loans that translate to $500–$2,000 per month, depending on loan size and term length.

Our Surrogacy Program Options That Pair With Financing

Choosing the right surrogacy program that offers financing means finding a balance between flexibility and financial security. American Surrogacy offers two core options that can be paired with Sunfish financing:

  • Foundation Program – Lower upfront cost with a pay-as-you-go fee structure. If your first transfer succeeds, total expenses may stay lower, but costs can rise if rematching or multiple transfers are needed.
  • Limited Risk Program– Higher overall cost but includes financial protections for screening, matching and refunds if your journey faces disruptions. This program offers more budget security and peace of mind.
  • Independent Program:– If you already have a surrogate in mind, you can complete the rest of your journey through us with free initial screening.

By pairing these programs with Sunfish financing, many families can begin with 10–20% down and manageable monthly payments.

Learn more about our comprehensive surrogacy programs.

Other Financing Solutions Beyond Agency Programs

A surrogacy program that offers financing is just one part of the picture. Families often combine multiple funding sources, such as:

Fertility-Specific Loans

  • Offered by lenders like Sunfish and Future Family
  • Loan amounts up to $200,000
  • Terms from 12–84 months, with fixed interest rates (6–24%)
  • No prepayment penalties

Personal Loans

  • Available through banks or credit unions
  • May have shorter terms and higher interest rates than fertility loans

Grants

Competitive but valuable options, such as:

Employer Benefits

Many large companies and startups now cover surrogacy within fertility benefit packages. Some insurance plans also offer partial surrogacy coverage.

Pros and Cons of Financing Surrogacy

Like any financial decision, choosing a surrogacy program that offers financing has trade-offs.

Advantages:

  • Start sooner without years of saving
  • Keep emergency savings intact
  • Fixed, predictable monthly payments
  • Potential tax benefits

Considerations:

  • Interest increases total costs
  • Strong credit helps secure better rates
  • Monthly obligations remain regardless of delays

Example: A $100,000 journey financed at 12% over 5 years equals $2,220 per month and $133,200 total — about $33,200 in interest. For many families, the ability to start parenthood sooner outweighs this added cost.

Learn more about why surrogacy financing is worth it.

Budgeting for a Financed Surrogacy Journey

A smart budget is essential when choosing a surrogacy program that offers financing. Key strategies include:

  • Work with Transparent Agencies: American Surrogacy provides detailed cost breakdowns upfront.
  • Plan for Unexpected Costs: IVF cycles, legal delays, or travel.
  • Use Budgeting Tools: Apps like Mint or YNAB to track expenses.
  • Consider Household Impact: Future childcare costs, savings goals, and income changes.

Most journeys follow a timeline of:

  • Agency fees and legal costs (months 1–2)
  • Surrogate compensation (throughout pregnancy)
  • Medical expenses (as they occur)
  • Final delivery payments

Take the Next Step With American Surrogacy

A surrogacy program that offers financing ensures you don’t need $100,000+ in savings to start your journey. Financing makes parenthood achievable today — not years from now.

Don’t let cost concerns delay your dream of becoming a parent.

Contact American Surrogacy to explore financing options tailored to your budget and learn how our Sunfish partnership can help you take the first step.

How Much is Surrogacy if You Use a Friend?

Surrogacy with a friend can cost $100,000+ due to variable expenses. Discover mandatory expenses, hidden risks and relationship considerations.

Many intended parents considering surrogacy see asking a friend to be their surrogate as the perfect solution—built-in trust, personal connection, and potential cost savings.

But here’s what most people don’t realize: Many relationships that seem perfect for surrogacy face unexpected challenges that professional arrangements typically avoid.

Ready to explore all your options? Understanding the real costs and considerations helps you make the best choice for your family. Contact us today to learn more about our independent surrogacy program and matching programs.

How Much Does Surrogacy Cost with a Friend as Your Surrogate?

While surrogacy may be slightly cheaper if you already have a surrogate lined up, the  cost of surrogacy  for most journeys is typically around $100,000+ due to variable expenses.

Here are a couple of factors that may affect the cost of surrogacy with a friend as your surrogate:

  • Location: For example, California and New York costs run 20-30% higher than national averages. The cost will generally depend on the cost of living where your friend resides.
  • Agency choice: Full-service agencies charge $25,000+, while consultation-only services cost $5,000 to $15,000. Not using an agency may seem cheaper but often costs more when problems arise.
  • Experience: Your friend’s surrogacy experience influences costs. First-time surrogates need more extensive screening, adding $2,000 to $5,000. Experienced surrogates often reduce coordination costs and medical complications.

If you have concerns about affording surrogacy, learn more about why financing your surrogacy journey could be worth it to have the family you’ve been longing for.

Agency Support for Identified Surrogacy Journeys

At American Surrogacy, we offer an Independent Surrogacy Program for intended parents working with friends as surrogates, managing both emotional and financial aspects of your journey.

  • Initial screening: Free
  • In-depth screening for unlimited surrogates: $12,000+ (one-time fee)
  • Support and education: $12,000-$25,000+

All-in-all, you can expect to pay $24,000+

Learn more about our Independent Surrogacy Program.

If you decide not to use your friend as a surrogate, American Surrogacy offers two programs designed to match you with a pre-screened surrogate in an average of 1 - 4 months.

Variable Costs that Affect Every Surrogacy Journey

There are variable costs with every surrogacy journey, whether or not you know your surrogate beforehand or find one through an agency. These requirements cannot be reduced simply because you know your surrogate.

  • IVF costs
  • Medical screening for your friend
  • Base compensation
  • Maternity clothing, travel/lodging and lost wages
  • Life and health insurance
  • Legal fees
  • Out-of-pocket prenatal, delivery and newborn expenses

Variable costs can total around $100,000+ in any surrogacy journey, even if you use your friend as your surrogate.

Can Your Friendship Handle a Surrogacy Journey?

Consider whether you can discuss intimate medical details comfortably and if your friend will communicate honestly about her needs without fear of damaging the relationship.

Financial discussions that feel natural professionally often become awkward between friends, potentially leading to unspoken resentments about the cost of surrogacy with a friend as your surrogate.

Professional surrogates understand appropriate boundaries. Friends may struggle navigating the shift from personal to professional arrangement, especially involving money and medical decisions.

Surrogacy involves intimate aspects of your friend’s life for over a year, from medical appointments to daily health decisions—a level of involvement that can overwhelm both parties.

How to Approach a Friend About Surrogacy

This conversation will fundamentally change your relationship regardless of her response. Research surrogacy thoroughly first, understanding the physical, emotional, and legal commitments involved.

Choose a private setting

Explain your fertility journey, outline what surrogacy involves (time, procedures, risks), and discuss the cost of surrogacy with a friend as your surrogate openly.

Be clear about expense coverage even if she offers to waive compensation.

Give her time to consider without pressure

Allow discussion with her partner and be prepared for any response, including “no.” Pressuring a friend risks permanently damaging your relationship.

Do You Still Need to Work with an Agency if You Know Your Surrogate?

Yes. Personal relationships often make professional oversight more important when managing the cost of surrogacy with a friend as your surrogate.

Both parties need independent legal representation regardless of trust levels. Contracts must address scenarios friends prefer not to discuss, including medical emergencies and financial responsibilities.

Professional coordination ensures proper medical protocols, prevents financial misunderstandings, and provides clear documentation for tax purposes.

Most people don’t understand insurance requirements—agencies ensure proper coverage and help navigate complex situations.

Personal relationships complicate decision-making during stress. Professional support provides objective guidance when emotions run high, preserving friendships while meeting surrogacy goals.

Risks of Skipping Professional Support

Going without agency support when using a friend as your surrogate creates expensive risks and relationship problems.

  • Legal problems represent the biggest danger. Without proper contracts, disputes over medical decisions or complications can result in costly court battles and custody issues.
  • Medical coordination often fails in independent arrangements. Missing screenings or poor provider communication can cause denied insurance claims and emergency costs.
  • Financial misunderstandings commonly occur without oversight. Unclear expense agreements can strain friendships and create unexpected costs. Tax issues often go unaddressed, creating audit risks.
  • Insurance gaps pose major risks. Families often discover coverage exclusions during pregnancy, resulting in out-of-pocket costs from $15,000 to $50,000+ for complications.

Get Professional Guidance for Your Friend Surrogacy Journey

Understanding the true cost of surrogacy with a friend as your surrogate requires professional guidance tailored to your situation.

At American Surrogacy, we’ve helped countless intended parents navigate successful friend surrogacy journeys.

Contact American Surrogacy today to create a plan that protects everyone while maximizing your success chances.

Our experience helps you understand realistic expectations, avoid common pitfalls and protect both your family-building goals and friendship.