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Would you take on c. 10K debt to have one chance of another child?

107 replies

ohcrapimuseless · 28/09/2024 19:58

Just it really.

Would you take on c. 10k to have the chance of having another child? (likelihood of one round working less than 20%, would need ICSI, multiple health / age risk factors associated with pregnancy loss / infertility / high risk pregnancy).

A friend told me they wanted to do 'everything they could' do assure themselves they had tried to have another baby hence doing rounds of IVF. But they are loaded / piles of inheritance / no mortgage so not needing to take on debt. It's made me feel like I'm not committed to giving my child a sibling and that I can't be sad because I'm not trying hard enough. I can't think straight on this and feel utterly overwhelmed.

YABU - I wouldn't take on that debt for less than 1/5 chance
YANBU - I would take on that debt for less than 1/5 chance

OP posts:
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Snugglemonkey · 30/09/2024 20:12

ohcrapimuseless · 30/09/2024 06:42

Sorry @Snugglemonkey can I ask was IVF successful with your AMH? The consultant made me feel a bit like 2 was game over!

Yes. I had one successful pregnancy through ivf, but my second pregnancy was via a donor egg.

Snugglemonkey · 30/09/2024 19:27

ohcrapimuseless · 30/09/2024 06:41

I think - and maybe I’m just being ill informed here - that it would be difficult to transfer all my medical records to a clinic abroad? I’m basing that on the fact that the NHS seem to be unable to have a full set of my records if I go to different hospitals in the same trust…

some people mentioned adoption. I / my partner have always thought about fostering particularly (it links to both our jobs). So this is something we may apply / train to do when our child is a bit older. Likewise adoption. But those decisions are big big ones and I would want to be in a very stable place before taking further steps - it would have to be a positive decision to want to apply to adopt rather than a backstop because ivf wasn’t affordable or do able.

You are entitled to your medical information. You can do a freedom of information request and see all notes held on you. Even if you had to do each care provider individually, it might be worth thinking about.
Wishing you all the best.

Baseline14 · 30/09/2024 07:51

No I wouldn't. I feel like the world of infertility can be a bit exploitative of women who are so desperate. I definitely fell into the trap (just one more go, oh if I try this special supplement it will happen, I need to try this treatment with this complementary therapist) and it wasn't a good place for me. My DH who is a very black and white person knew when to say no when I didn't and whilst it was hard at the time I don't regret stopping.

zeitweilig · 30/09/2024 07:08

Would I? Absolutely not.
Would others? Quite possibly.
There is no right answer to this, just a list of pros and cons to weigh up.

Bgfe · 30/09/2024 07:07

Very difficult dilemma.
I remember when we did IVF one of the pieces of advice was to try and do attempts in threes as the psychological burden of a single attempt is too much.
We did 6 months of drug assisted attempts at natural conception.
3 IUI (drug assisted)
Then planned for 3 cycles of IVF. His sperm was poor so they recommended ICSI.
Attempt 1 failed. 2 gave us DC1. 3 gave us twins.
Do you have the mental and physical energy for twins as the possibility is high?

In short. No I wouldn’t go into debt for one chance. Sounds like it was very hard for you with DC1 and there’s too high a likelihood of failure and bad effects on your mental health and finances.

Fiftyfiveandcounting · 30/09/2024 07:02

No and given what you’ve said in follow up posts @ohcrapimuseless i think you’d be insane to even consider a second pregnancy. Enjoy the child you have and count your blessings, don’t waste time hankering after something that’s so unlikely to happen and even if it did, the potential for disaster is much higher than that for success.

ohcrapimuseless · 30/09/2024 06:55

yea it would be under consultant care / lots of scans etc, planned early c section to avoid spontaneous birth. I think that it would be better than the previous pregnancy because I'd be prepared. But there are no guarantees in life.

FWIW my partner is worried about any future pregnancy (worried about me dying/being seriously ill), and would be happy to finish our family as a three. Having said that, I'm fairly sure I could convince him to do IVF.

OP posts:
dammit88 · 30/09/2024 06:48

If your previous pregnancy was considered highly life threatening to you - I assume another pregnancy would be too? In which case no I wouldn't. If there was a low risk of complications I probably would.

But to be honest this is something only you and your partner can decide. We are all different. it doesn't matter what your friend is doing. No option is wrong. You have to do what is best for your and your existing family.

ohcrapimuseless · 30/09/2024 06:42

Sorry @Snugglemonkey can I ask was IVF successful with your AMH? The consultant made me feel a bit like 2 was game over!

OP posts:
ohcrapimuseless · 30/09/2024 06:41

Snugglemonkey · 29/09/2024 22:28

I just read this. My amh was less than 1 , plus male factor. That was before dc1 even. Why would your clinic not have the medical info?

I think - and maybe I’m just being ill informed here - that it would be difficult to transfer all my medical records to a clinic abroad? I’m basing that on the fact that the NHS seem to be unable to have a full set of my records if I go to different hospitals in the same trust…

some people mentioned adoption. I / my partner have always thought about fostering particularly (it links to both our jobs). So this is something we may apply / train to do when our child is a bit older. Likewise adoption. But those decisions are big big ones and I would want to be in a very stable place before taking further steps - it would have to be a positive decision to want to apply to adopt rather than a backstop because ivf wasn’t affordable or do able.

OP posts:
Shoesshoes87 · 29/09/2024 22:32

I did for first child. Won’t for a second. Happy with that decision.

MamOfGirls2 · 29/09/2024 22:31

We spent 40K. Although, we didn't get into dept. We had a choice a house deposit or a baby. My DC1 was my last frozen embryo. Our last ditch attempt. Would I have got 10k into dept? Absolutely. Would I do it with your risk factors? Hell no. Your allowed to be sad about it. It's not the life you thought you would have.

Loonaandalf · 29/09/2024 22:30

No I wouldn’t, I would adopt instead.

Snugglemonkey · 29/09/2024 22:28

ohcrapimuseless · 28/09/2024 21:59

Someone asked about age - I’m 40. My amh is 2 (! Which I’ve been informed isn’t just low, but the low end of low) plus male factor infertility plus gynaecological issues. Only one of my ovaries is functioning. My daughter was conceived without assistance but that was 4 years ago when both ovaries / tubes were working.

the clinic has a high rep but yes I suspect it’s more expensive than others. Going abroad etc isn’t an option I’d feel safe with. I have a v. complicated medical history and would be very worried about clinicians treating me not having access to all that information.

I just read this. My amh was less than 1 , plus male factor. That was before dc1 even. Why would your clinic not have the medical info?

Snugglemonkey · 29/09/2024 22:25

We did ICSI, our chances of conceiving were 3%).

Snugglemonkey · 29/09/2024 22:23

I really want to say no, stash the cash for your existing child. But I cannot, because it would be entirely hypocritical.

I took 6 things of ivf, years and a lot of heartbreak as well as a lot of money. But dc2 was totally worth it.

upat4am · 29/09/2024 22:10

@ohcrapimuseless thank you for the kind words 💗 embryo transfer on Thursday so we have everything crossed.

Have you looked at clinics which offer multiple rounds for a set fee? Some even offer unlimited rounds over a set period of time and a partial refund if you don't conceive.

Also consider going abroad for treatment. Cypriot clinics are supposed to have amazing facilities and are cheaper.

SnowSnow · 29/09/2024 19:58

I think personally for me I would try just so I wouldn’t always wonder what if?

Notaseasyas · 29/09/2024 19:46

We found ourselves in the position of wanting a large family but facing a lot of fertility issues. We’ve spent around £150k over the last 20 years to have the family we wanted. Some big age gaps , lots of surgeries for me, numerous IVF cycles, 1 ICSI cycle, numerous ovulation induction cycles.

AmandaPleaseDotCom · 29/09/2024 19:43

If I desperately wanted another child and was physically up to it then yes I would, if I was confident I could pay it back.

If I didn't desperately want another baby for myself, just to 'give' my child a sibling then no I wouldn't. I think you need to truly want it for yourselves.

That being said, I think your medical history complicates things a lot and I don't think I would risk it in your specific situation, no.

I've got an only, she's absolutely fine. I'd have liked her to have a sibling but like you my health would have been at risk so we've made peace as a family of three. Having a a strong sibling relationship definitely enriches your life, but so can lots of other things that are within your grasp, it's not the be all and end all 💐

GivingitToGod · 29/09/2024 19:11

AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.

Edited

Agree, tends to be older children now

GivingitToGod · 29/09/2024 19:10

AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.

Edited

Agree, tends to be older children now

AshMapleOak · 29/09/2024 19:05

It doesn’t need to cost that much?

SoNiceToComeHomeTo · 29/09/2024 19:03

To have a first child yes; to have a second child no.

AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

GivingitToGod · 29/09/2024 17:55

Have you considered adoption?

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.