How much does it cost to use a surrogate in the US? The cost of surrogacy can be high, but there are ways to help finance your surrogacy journey. It will take sacrifices, creativity, and out-of-the-box thinking, but your path to parenthood may be more attainable than you think.

Embarking on the path to parenthood through surrogacy is a heartfelt decision, but the financial aspect can be daunting. Our tips offer practical solutions to make your dream of becoming a parent more achievable.

1. Explore Funding Options: Consider standard loans such as:

• home equity loans.
• personal lines of credit, or 401(k) loans.
• Fertility financing loans are tailored to ease the financial burden of surrogacy.

Standard loans

One option is to consider a standard loan. These could include home equity loans, personal lines of credit, credit cards, or 401(k) loans. Each option comes with its own risk and potential drawbacks, so be sure to weigh your options carefully and seek financial advice from a professional.

Fertility financing loans

There are several organizations that specifically provide loans for fertility treatments and surrogacy. These companies work closely with prospective parents to help them ease the financial burden of surrogacy.

2. Seek Grants and Scholarships: Although competitive, grants and scholarships from organizations can provide valuable assistance:

• Pay it Forward Fertility Grants.
• Baby Quest Foundation can provide valuable assistance.
• Journey to Parenthood Grants.
• The Life Foundation.

3. Get Creative with Fundraising: Unleash your creativity with fundraising events like:

• Hosting events: dinners, raffles, and benefit concerts.
• Holding garage sales.
• Selling belongings online.
• Crowdfunding platforms like GoFundMe or YouCaring.

4. Side Gigs for Extra Income: Consider working a part-time job, starting an Etsy shop, or taking on odd jobs to supplement your income. Small contributions can add up significantly.

5. Tap into Family and Friends: Leverage the support of loved ones by sharing your journey. Encourage contributions to your surrogacy fund in place of traditional gifts or through personal loans.

Believe in Your Path: Your journey to parenthood is achievable with determination and creativity. Many have successfully overcome financial challenges to experience the joy of becoming parents.

For a detailed guide on the surrogacy process, including budgeting and selecting a surrogate, explore our Surrogacy Roadmap. Download our FREE Surrogacy Budget Planner and customizable Budget Worksheet to kickstart your journey today.