The difficult part about the financial decisions that accompany fertility treatments is that, of course, there is so much more involved than money. You have the basic need, urge, and right to become a family with children. You may feel like there are a lot of players making decisions for you about your own fertility — without even knowing you. Be careful not do anything rash that would jeopardize your future, for you or your hopeful new family. Take the time to rationally think through each and every option. Do not take the first option that becomes available.

As always, when dealing with loans, be sure that you are financially responsible. It is sad to say that many couples have gone into bankruptcy or found other monetary troubles in pursuing fertility treatments. Don't let the pursuit of a family jeopardize your ability to pay your bills.

If you are considering a shared-risk program, be sure it's a wise investment. Does your diagnosis make it seem more likely than average that you would get pregnant on an early attempt? It's a difficult question to answer, but it is also a tough gamble to make.

Budgeting and saving are ways to look into the future. They are also beneficial habits to get into, no matter which program you may ultimately decide on to help you finance your fertility treatments. Ask if your fertility clinic offers support in these areas. No matter what you decide to use to help you make the money to afford your fertility treatments, remember that you will be living with these decisions for a long time. Choose with guidance and wisdom. Seek help and support. In the end do what works best for you to build your family.