Private: how can everyone afford multiple rounds?

[GreenTurtle75]

I’ve been reading various posts on this forum for a few months now and most people seem to be having 3, 4, 5, 6 or more ‘rounds’. Are these full rounds of meds, collection and implantation? I’ve just got the estimate from our clinic and I don’t know how anyone can afford to do it more than once. Or at least once a year! Is it the full shebang each time or do you skip steps for additional rounds?

It's mind blowing isn't . They must be paying with monopoly money. They must surely be on some serious wages or remortgaging the home or something / financed to the hill. The cost of treatment is unbelievable.
I think some people do access programmes which they pay upfront around 20+k which covers them for 3 rounds. That's just not feasible for us. There's no way we could afford that kinda money upfront

People use their life savings, remortgage, get loans, and people are sometimes going abroad as well which can be cheaper. When people are desperate for a child they find ways.

I think probably depends where you are based.
For us IUI was about 1k and IVF about 6k. I could get max 2k off each round (up to 2 rounds) on my health insurance.
If we’ve no luck this time it’ll prob be a case of using house savings. But I suppose if you manage to freeze eggs in a first IVF cycle then just doing the transfer in the future is much cheaper.

Remortgage and bank loan. We spent £40k.

Some private clinics offer interest free loans for multi cycle packages (3 cycles including one transfer and then additional cost for further FETs) where you can pay a percentage deposit and then the rest over 12/24 months x

Also should have said what I did with the multi cycle package worked out as a saving rather than paying for 3 individual packages, some costs are reduced. But there were were reasons for us batching embyros (two terrible NHS rounds and no transfer) and we also had savings and help from both sets of parents x

And I'm still in the process; with costs rising as we're now hoping to do PGT-A and any further FET will be an additional cost. I wish I'd kind of factored in that there may be more money needed, the budget we thought is well and truly out of the window. I continue to try and save as much as physically possible each month too x

@MoonlightDreamer Ours offers a 3-cycle package, but when you get into it, it's just 3 rounds of egg collection and only one implantation at the end, so doesn't seem any cheaper to me.