I Took Out A Loan To Pay For My IVF

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“Our doctor gave us the choice of transferring one embryo or two,” Dawn remembers. “Because I was under 30 and in good health with no risk factors, he said that he would not transfer more than two as to avoid an Octomom situation. He was confident that it would work, while we were not.  We decided to do two, so as to give us twice the opportunity to fail. Implanting more than one doesn’t make it work better, but we justified to ourselves that if one did not implant, then we gave ourselves another chance with the other embryo. We put in two, hoping for at least one.”

Money became tighter once Dawn conceived. Her husband’s company moved his job out of state and the soon-to-be father decided on a different position, with a minor pay cut, so that his family didn’t have to move. Upon running through the calculator and spreadsheet one more time, Dawn realized that childcare for two babies in her town would have cost more than her weekly paycheck should she return to work. She then decided to be a SAHM.

Shortly before her 29th birthday, Dawn and her husband welcomed twin boys. The mother and father now make a “baby payment” in which they mail a small ticket with a check, much like they do for their car payments. In a year and half, the family has paid off one-third of their bank loan and intends to have the rest paid off by the end of 2013. Even though she recalls her initial hesitancy at using a loan for her IVF, she maintains that she would do the same all over again.

“We really didn’t want to take out a loan, but we knew it would take a very long time to save that much cash,” she shares with Mommyish. “We look at our boys and realize that we just could never put a price tag on our family. Having a family was our dream and our priority and if we had to take out the loan to get it, then it was worth it. We have two beautiful boys from IVF so if we have to put off a vacation or bigger house for another year or two, then fine by us.”

At present, the family is flirting with the idea of having one more baby. The parents have three frozen embryos that they could use at some point. But Dawn and her husband do not plan on going the IVF route again for both financial and personal reasons. While the mother loses no sleep over a single penny that she spent on her sons, she doesn’t want to take a loan again what with saving for her sons’ college education and a bigger home. In retrospect, the mother adds that the financial stress of IVF can be just was weighty as the physical stress. In keeping with the unique circumstances that define many family financial situations, she points out that it’s all personal.

“We decided that this was important enough to sacrifice other aspects of our life to achieve,” she concludes. “If we were already financially stressed prior to IVF, we may have waited a little while. It is a difficult and very personal decision that a couple needs to make. It was the best money we have ever spent.”

(photo: Lukiyanova Natalia / frenta/ Shutterstock)

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