What do people do if they can not afford ivf

[Bluelady-sing]

What do people do?

[ChloeL934]

We cannot afford IVF at the moment, but we should be eligible for one free round on NHS and if more is needed, we have started saving & we both have big families that would help if we asked. I’ve also seen some fertility clinics do payment options. X

[Bluelady-sing in reply to ChloeL934]

What are the payments options like?

[penny24 in reply to Bluelady-sing]

We used access fertility, money back guarantee if no live baby. Not sure if they do payment plans. X

[Bluelady-sing in reply to penny24]

Which clinic was this

[penny24 in reply to Bluelady-sing]

Access fertility is a company u deal with and they pay your chosen clinic directly

We opted to pay for 3 rounds and if unsuccessful we got 70% back

U do have to pay for the drugs into of their prices but you would have to pay for them anyway x

[Nat246]

When I couldn’t afford it, I just had to save save save. It was hard to have to wait, but no other option. Good luck.

[fay2399 in reply to Nat246]

Same here... I’m saving now 🤨topped off my mortgage 🥺

[Nat246 in reply to fay2399]

Very frustrating how unfair the system is with others getting 3 rounds funded in nhs. Hope you are nearly there with the funds

[Purpledoggy]

You'd have to be very open to everyone knowing, but what about a GoFundMe? A friend's sister had to do that after her first round failed and they could not afford another. Funding IVF is brutal - zero rounds of NHS in my area so we had to go straight to the big bucks. I told my parents and they contributed what they could as I'm an only child and they would really like grandkids (no pressure!). I guess other thoughts are taking out a new interest free credit card (but you'd have to pay it off within the 12-18 months interest free period) or a personal loan as someone else suggested. Good luck xx

[Ayesha1601]

My daughter is in a same sex relationship and there is no free ivf for lesbians. Dreadful and not in line with equality. In the end the family stepped in.they looked at positive equity on there mortgages and released it. We did nurture fatility 100% refund because we couldn't afford multiple rounds with meds and sperm vials we have totted up over 16K. It has worked first time which is fabulous so technically could have spent a lot less but its a 3 cycle money back package around 10 and a half K but the meds are expensive especially if you need the long protocol.

Never doubted I could raise my kids. We are just normal working class people. We live within our means. Our children were bought up greatful for every thing. They didn't have designer (I couldn't afford to start that off from the begining) they were always fed, happy and entertained. We did this by putting them first and going without ourselves. One winter my kids both had new boots from town for winter. My husband had a carrier bag on his foot over his sock as his shoe was in holes but we NEVER EVER resented the fact that they were costing us money we just provided the necessities for the kids and got on with it. Love and nurture was enough you will manage financially. I really hope you find a solution to getting your funds. Keep saving because if you get any NHS help there are so many hidden costs. Sending love and hope. I'm rooting for you xx

[Bluelady-sing in reply to Ayesha1601]

Thankyou ayesha

[Bluelady-sing]

Not only rich people should have children

[Hidden]

Well usually if you both qualify and in an area you get a round free on nhs , but because I’ve got 2 kids we would have to self fund which isn’t ideal but could scrape it together but probably only one round. But my fiancé didn’t want to do ivf & we weren’t offered any treatment anyways.

[Bluelady-sing]

Did you stop at two children

[Hidden in reply to Bluelady-sing]

My 2 kids were with my ex husband, my fiancé hasn’t got any children we’ve been ttc naturally for 3 years we’ve had multiple mc’s I’m 40 now and somehow 6w pregnant again naturally hopefully 🙏🏼 this pregnancy get to full term.

[Cinderella5 in reply to Hidden]

Everything crossed for you Hidden .xx

[Hidden in reply to Cinderella5]

Thank you I have a scan today 😬 🤞🏼

[Cinderella5 in reply to Hidden]

Good luck, you must be so nervous!xxx

[Hidden in reply to Cinderella5]

Thankyou yes I am very nervous playing how it’ll go over and over to prepare myself.

[Cinderella5 in reply to Hidden]

Its he most horrific thing to have to go through when you have had bad news previously, let along all that you have been through. You're an absolute trooper.xxx

[Hidden in reply to Cinderella5]

I suppose at least it’s earlier this time to find out either way instead of 12w which is far too long not knowing. I have to go myself today it’s a bit crap not having any support with you 😕

[Cinderella5 in reply to Hidden]

Oh Sh!t yes, such a poor decision to not allow partners in....my heart goes out to you!!xx

[jengi]

It can feel overwhelming to have to find such a large amount of money in a short space of time, especially if you are eager not to delay treatment too long. I stumbled across a grant earlier this year, closing date was May. Sign up to the newsletter from fertility foundation to find out about upcoming grants fertilityfoundation.org. We didn’t want to borrow money so here are a few things we did: we both set up small businesses which gave us each an extra £100-200 per month which we saved. I started to sell a beauty product & my hubby set up a freelance business with his skill set. We cut down to one car. We rented out our spare room through Airbnb from Mon to Fri bringing in £400 per month. We cut out all unnecessary subscriptions eg Netflix and did a complete tidy up of our spending including no alcohol, eating out, take aways etc. Although we did treat ourselves occasionally. It all adds up. Literally we lived on as little as we could & saved everything else. Took a year but we did it. It can be done! Good luck Xx

[jengi in reply to jengi]

You might find this useful too

theduff.co.uk/private-ivf-c...

[fay2399]

Is it this cheap over there?! I had to pay 7000 aud for each egg retrieval out of the pocket 🤪

[cmbxm]

Unfortunately it’s a bit like the question “what do I do if I can’t afford a holiday but need a break?” or “what do I do if I can’t afford a car but need a new one?” there’s very little support out there apart from NHS funded IVF. After that you need to look into fertility finance and bank loans but like IVFGotadream said you’d then need to calculate these repayment costs alongside the costs of things like childcare because long term you would be paying out, and unless you had a company that offers you a percentage of your money back if you fail, you’d then also be potentially £thousands out of pocket and still lumped with the debt, your best best is looking into your finances, cutting out all nonessential spending, putting a set amount of disposable income aside each month, see how much you can save and either put a deposit down on finance or try and fund it after some saving, like I’ve said to you before, also look at IVF abroad as this can sometimes be cheaper than IVF in England, it’s a really a difficult one because it is so expensive and not guaranteed unfortunately and you don’t have the assurance of putting down £8k and knowing you’re 100% going to walk away with a baby in the end. If saving fails, try fundraising like a go fund me or asking friends and family if they’d donate xx

[Bluelady-sing]

I looked into access fertility, I have pending litigation with the nhs, on other health matters, if resolved I am going to ask them to find a multi cycle