Borrowing From Family for IVF
on Feb 11, 2014
by Dr. Christine Lee, MD
IVF is expensive, there is no doubt about it. There are very few couples out there who can undergo IVF treatments without it making a huge dent in their finances.
IVF is expensive, there is no doubt about it. There are very few couples out there who can undergo IVF treatments without it making a huge dent in their finances. So, is borrowing from family members in order to fund IVF treatments a good option, or is it something you should avoid? Read on for some important things to consider when you think of borrowing from family to finance your IVF treatments. Claim Your 20 Free Pregnancy Tests – Click Here
One of the most important things to consider before asking your family to borrow money for IVF treatments is whether or not they agree with your decision to pursue IVF treatment. Ideally, all families are supportive and helpful when couples decide to go through IVF, but, unfortunately, that is not always the case. Some families, for one reason or another, do not agree with the decision to pursue IVF treatments. If this is the case with your family, you might want to think twice about borrowing money for fertility treatments.
Another thing to really consider before borrowing money from family for fertility treatments is whether or not your family truly understands all that is involved in fertility treatments. Do they understand exactly how much it costs? Do they understand that it is a long process, and sometimes takes more than one cycle? Most importantly, does your family understand that helping you pay for your IVF treatment does not guarantee that you will get pregnant? As long as they understand that it is not a given that you will get pregnant, then it might be okay to borrow the money.
Even before you take a single cent from a family member to pay for your IVF treatments, make sure that you already have a payback plan in place. It is so important to get this out of the way. Even if your family members are offering the money to you and saying “we’ll worry about payment plans later”, or something of that nature, you don’t want to do that. It can really lead to hurt feelings, and relationship problems in the future. Make sure that you set up that payment plan before you even get started.
Even if your family member offers up the money to loan to you for fertility treatments, it doesn’t mean you should just take the money and run. Consider if your family members really do HAVE the money to loan you. Is it going to cause them financial problems? Are your family members the type to “hold it against you” that you borrowed money when they get mad or upset? How will they feel if you borrow the money and your treatments don’t work out, and you don’t get pregnant? Consider all of these things before you decide if borrowing money from family members for IVF treatment is the best idea.
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Dr. Christine Lee earned her Ph.D. in Developmental Biology and Master of Science in Biomolecular Organization. Dr. Lee is Lab Director for ConceiveEasy and is board certified as a High Complexity Laboratory Director (HCLD).