The only way I could afford IVF is because my clinic has special Hope program. You pay $23000 up front for 3 IVF cycles, including doctor visit, medication, ultrasounds, transfer, retrival, embryo storage and frozen FET. If you don't have baby after 3rd IVF, all your money back. Please check with your clinic, maybe they also have special program. I had to borrow from my 401K in order to pay for the treatment. I hope this helps. Good luck.

I applied for one and checked several out. Most were at 17% interest rate. We have good credit, own a house and I had just paid off my car when I applied and we were denied! It was so upsetting. We opted to take a loan from family instead, as the interest was horrendous.

Your clinic should have companies you can purchase packages from (like ARC - http://www.arcfertility.com/) and that company will have another business or bank that you can finance through - sounds complicated, I know. Just ask your clinics nurses, they can help you. We opted to buy the 1 fresh / 1 frozen cycle without the refund, as the refund added 7K to our total cost. Also ask your Re and nurses about the refund programs. Some women will be recommended to buy additional cycles, and others won't. Its a gamble, but depending on your IF troubles and age, you may only need one cycle. Good luck!

My husbands ins. covers IVF after a 5000 deductible that is, pfff however its better than paying it over and over, meds are expensive fr me so if anyone knows a med. program pleassseeeeeee fill me in, There are grant programs for those who dont have IVF covered. Ill see if i can find them and msg. you again. LUCK

LIG