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Surrogacy is an expense that some couples aren’t willing to compromise, but that doesn’t make it any more affordable. Costs can easily top $100,000 and can be difficult to predict — you can’t control how many IVF cycles you’ll need or whether your surrogate will have complications.
We walk you through costs you might expect and how you can cover them when working with a surrogate.
Yes, most personal loan providers allow you to use your approved funds for any legitimate personal expense. Because surrogacy can come with unexpected expenses over time, you might want to also consider taking out a personal line of credit.
Personal loans offer either secured or unsecured financing. Unsecured loans are best for borrowers with good credit, a low debt-to-income ratio and a high salary. But even so, for the lowest rates, consider secured loans, which use personal assets like a car or a home as collateral. Another popular way of financing surrogacy is taking out a home equity loan or home equity line of credit.
Surrogacy can cost from $60,000 to an eye-popping $240,000 in the US. Prices depend on whether you use your own eggs, how complicated the pregnancy is and the legal hoops you need to jump through.
We’ve broken down the typical costs you can expect to pay when using a surrogate to grow your family.
Surrogacy agency fee
Surrogate and parent psychological evaluations
Surrogate medical exams and screenings
IVF fees — including medication
$12,000–$40,000+ (depends on number of cycles)
Egg donor fees
Maternity clothing allowance
Miscellaneous expenses allowance — meals, travel, vitamins and other costs
Other expenses you might need to pay include C-section fees ($1,500), birth compensation for two or more babies ($5,000) and lost wage compensation for your surrogate (up to $25,000), among unexpected costs.
The basic costs of surrogacy abroad can be less than what you’d find in the US. Going through an agency in India, one of the most popular surrogacy destinations, costs in the ballpark of $30,000. But once you factor in travel expenses, legal fees, accommodation and genetic testing involved in bringing home a surrogate child born abroad, it can cost as much as a US surrogacy.
Keep in mind that countries have different levels of regulation, which could affect how well your surrogate takes care of her health — and the health of your unborn child — while pregnant.
In India, surrogates see from $800 and $8,000 of that $30,000 you pay, while the rest goes to the agency or clinic.
It depends on where you live. Surrogacy is not legal in states like New York and Michigan, while other states impose varying levels of restrictions.
Explore our interactive map to learn about surrogacy laws in your state.
Paying out of pocket for a surrogate is untenable for most people, but plenty of financing options are available. From grants to crowdfunding and personal loans, you might be able to piece together a way to cover the cost of a priceless new addition to your family.
Get started by comparing your personal loan options and researching other forms of financing to meet your needs.
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