Surrogacy is a significant investment, but don't let cost alone deter you. Many intended parents find creative ways to finance their journey.
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Surrogacy Loans
Several lenders specialize in fertility and surrogacy financing:
- Prosper Healthcare Lending
- LightStream
- New Life Fertility Finance
- CapexMD
Interest rates typically range from 6-15% depending on credit.
Fertility Grants
The federal adoption tax credit can sometimes be applied to surrogacy expenses—consult a tax professional.
Several organizations offer grants for family building:
- Baby Quest Foundation
- The Cade Foundation
- Gift of Parenthood
- Pay It Forward Fertility Foundation
Employer Benefits
Many companies now offer fertility and surrogacy benefits:
- Google, Facebook, Apple - up to $25,000
- Spotify - up to $10,000
- Starbucks - fertility treatment coverage
Check your HR benefits or advocate for adding these benefits.
Home Equity
Some fertility clinics offer shared risk programs where you pay one fee for multiple IVF cycles.
If you own a home, a home equity loan or HELOC can offer lower interest rates than personal loans.
Retirement Funds
Some 401(k) plans allow hardship withdrawals for medical expenses. Check if surrogacy qualifies under your plan.
Crowdfunding
Platforms like GoFundMe have helped many intended parents raise funds. Be transparent about your journey and goals.
Payment Plans
Many agencies offer payment plans that spread costs over the duration of your journey.
Choosing an Affordable Destination
Consider international destinations like Colombia or Georgia where costs are 60-80% lower than the USA while maintaining quality care.
Next Steps
Create your free GlobalStork profile to explore financing options and connect with agencies that offer payment plans.