Another IVF???

DH and I have been talking about it a lot... He really wants to go for it, I am not so sure. I am afraid that once again we will come out empty handed or at worse we will have history repeat itself and I will lose another baby.
So what to do? I feel really lost, anxious and very, very confused. I know that if we never try again I will never become a mother, so in that regard I really want to, but on the other, what if... this is the very last IVF we are going to be able to do for a VERY long time. we are now out of money and we will be asking DH's mum to loan us the cost. I never wanted to have to do this!
I need some guidance...