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Infertility Financing

Infertility is heartbreaking for individuals and couples who want children but are unable to have them.  Even more heartbreaking, the responsibility for infertility financing is almost always left to the infertile individual or couple because insurance usually does not cover the cost of infertility treatments. For such couples, LoanNow may provide a resource for infertility financing, or cover adoption costs if the individual or couple eventually decide to go that route.

financingHow In Vitro Fertilization Works 

With in vitro fertilization, the sperm of the donor father, often the husband of a heterosexual couple, is combined with the eggs of the donor mother. Donor eggs often come from the woman who wishes to bear the child, but in the case of older mothers donor eggs are often harvested from a younger woman. Multiple fertilized embryos are implanted in the womb of the mother or a surrogate, with the hopes that at least one will develop to become a healthy full-term baby.

In vitro fertilization is far from a guaranteed means of conception; the process is successful less than 50 percent of the time even under optimal conditions, when both parents are healthy and the mother is under the age of 35.  As a result, many practitioners recommend multiple in vitro fertilization sessions.  Because of the complex procedure involved and the need for multiple sessions, infertility financing for in vitro fertilization can be extremely expensive.

Adoption Tax Credit 

Many individuals and couples for whom infertility financing is too expensive or for whom infertility treatments have been unsuccessful turn to adoption to add to their families. The IRS allows adoptive parents to claim extensive credits for adoption related costs, including attorney’s fees and travel costs if a child is adopted from overseas.  Although the experience of adopting a child can be emotionally rewarding, the process of adoption can be extremely costly, even with tax breaks. 

How LoanNow Can Help 

LoanNow can help by providing infertility financing to cover the costs of in vitro fertilization for individuals and couples who want to experience childbirth as part of the process of expanding their families. We can also provide financial assistance to help cover the costs of adopting a child.  With either option, we provide responsive customer service while respecting the privacy of individuals and households dealing with these highly personal issues. Let LoanNow provide you with financial resources to help you experience the joy of adding children to your families.

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.