How (if you did) did you ask parents, etc to borrow money?


#1

We’re at the point in the road where it is “do we ask our parents for a little financial assistance or do we take out a loan?”… One that’d I’d have to pay back every month and be reminded of what didn’t work, if we do IVF with no success. I, for some reason, am scared to ask my parents for money. It’s like I can’t bring myself to pick up the phone and ask. The worst they could do is say no, right?

How’d you get the nerve up to ask to borrow money, if you did?


#2

That’s a tight spot to be in. We considered taking out a loan and/or asking family for money, but decided to instead go with Femara/injectables/IUI (I have endo, IVF is generally best and most effective to go straight to). I have the same fears, what if we were to ask for money or get a loan and it fails? It won’t just go away, we would still have to pay for it… The way I saw it in my mind going was explaining to family that if we were to do IVF we would get to claim it on our taxes as it’s over 7.5% of our income for medical expenses. That’s at least $10,000 we would claim although I have no idea how much we would actually see back come tax time. If we were to do it before March and by the grace of G-d end up with a baby that comes before January we could claim it on our taxes for the year as a dependent which will be another couple thousand. We would use our tax deductions to pay back family and hopefully that would entice them to loan it out! You might play those cards if you consider asking! Good luck! :slight_smile:


#3

I was wondering if it was tax deductible, but hadn’t researched it yet. We’d be looking at Feb IVF, so that would put the due date in Oct/Nov. Good angle to play!


#4

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#5

Only- hello again :slight_smile: for us, we needed a little help with the freezing costs. I didn’t want to ask my mom, but was going over all of the costs with her and she actually suggested that she wanted to help because it would be her grand baby and would love to help. Unfortunately our first frozen little ones didn’t thaw so that 1200 was wasted, but like a lot of people say, it’s a numbers game and like playing the lottery and you never know until you try.

So your parents know that you’re doing infertility treatments?


#6

[QUOTE=JnJ’sJourney]Only- hello again :slight_smile: for us, we needed a little help with the freezing costs. I didn’t want to ask my mom, but was going over all of the costs with her and she actually suggested that she wanted to help because it would be her grand baby and would love to help. Unfortunately our first frozen little ones didn’t thaw so that 1200 was wasted, but like a lot of people say, it’s a numbers game and like playing the lottery and you never know until you try.

So your parents know that you’re doing infertility treatments?[/QUOTE

I was have Egg retrieval 6th jan, then 9th January I have embryo transfer … But only 2 good one they transfer the rest my egg was not freze because no good. 25th jan I have hcg blood test and my hcg level 157, doctor say that was to low and I have another hcg test 27th jan but my hcg level was drop to 86. Until now I still have no peried. My question… Is why I have no peried? Am I pregnant? Or what’s happening? Hope I can hear second opinion from you … Thank u


#7

Well, i’m not a doctor, but here are my understandings
Two things…

  1. It could be a vanishing twin and the reason why it dropped and it may rise again
  2. It’s a chemical pregnancy and you will get you period once it drops closer to zero. Also, if you’re still taking your meds, sometimes progesterone supplements prevent your period from coming.

According to your dates your first beta of 157 was 16 days past your 3 day transfer (16dp3dt)? The reason why they said it was low because that number is usually seen around 12dp3dt, but with beta numbers there aren’t rules, just as long as the beta doubles within 48-72 hours.

Also, usually by the time of your first beta at 16 days, any medicine you took for you transfer would’ve been out of your system so to answer if you’re pregnant, an hcg level above 5 means something happened and something attached to make that hcg level. Truthfully, for it to drop is not the best sign, but we will all hope and pray for the best for you!!