How to Finance the Surrogacy Process

The rewards of having a family are so great they cannot be measured in dollars, but the necessity of having to finance an entire surrogacy journey can be overwhelming for many. Luckily, there are many options for Intended Parents to consider as they look for ways to make the process more affordable.

Understanding the Costs

There are many different types of surrogacy, and your circumstances will help determine the costs of your journey. If you are able to use your own eggs or sperm, that will reduce the cost for you. Or, if you need an egg donor, but have a friend or relative willing to donate eggs at a lesser fee than on the open market. Most people do not have those options all available to them, so it is important to research the Surrogacy Agency that includes everything you need to get from start to finish in your surrogacy journey.

Surrogacy Loans

Some financial institutions provide loans specifically for surrogacy. These are called fertility financing loans. If you can’t find these kinds of loans, you can also look for a general medical loan, or get money for surrogacy by putting your house up as collateral in a home-equity loan. It’s also possible to borrow money from your 401(k) retirement account, and credit cards can be used to help with the financial burden of surrogacy. Credit card interest accumulates quickly, however, so this type of loan should be pursued with caution. As a last resort, you may also be able to secure a loan from a friend or family member.

Parenthood Grants

There are a variety of private foundations that have been established to provide grants to intended parents in need. These foundations are fueled by donations, and they can provide sums in excess of $10,000 to eligible intended parents. While the funds available from these grants aren’t usually enough to pay for the entirety of the surrogacy process, they can provide a significant degree of assistance nonetheless.

Unless you’re able to rely on the aid of a benefactor or a grant, you’ll be expected to pay back the money that you borrow to have a surrogate baby. Make sure that you’re able to take on this debt burden before proceeding.

The costs associated with having a surrogate baby are high. However, there are a variety of financing options available that make this process more doable. For more information on our financing services through Prosper Healthcare Lending or Earnest, contact us at 1-866-41-SURRO. We look forward to speaking with you!