Making “Cents” of Surrogacy


Although it can be a dream come true, surrogacy can also be highly expensive for intended parents. From agency fees, to insurance, IVF procedures, attorneys, and financially supporting the surrogate, costs can add up very quickly. While many intended parents view surrogacy as a miracle, they also often face concerns and doubts regarding the financial aspect. Fortunately, there are several methods of financial help available to intended parents looking to pursue surrogacy.

  • Infertility loans. Infertility loans are becoming increasingly popular for intended parents considering surrogacy. These loans are unsecured lines of credit where lenders will view your credit history to determine your eligibility, how much you can borrow, and on what terms. When comparing fertility loan companies, be sure to find out exactly what the loan will cover.
  • Home equity loans. For homeowners, using a home equity loan or line of credit may be a viable alternative to taking out an infertility loan. Something to keep in mind when evaluating an equity option is whether or not you think you will need that equity or line of credit in the future for a different use, such as a home repair or renovation.
  • 401(k) plans. It is possible to borrow from your retirement plan to pay for your surrogacy; however, there are important rules and restrictions to consider, regardless of the type of plan you have. You’ll need to apply for a loan from your 401(k) known as a “hardship withdrawal” and you will only be permitted to withdrawal your contributions, not your earnings. You may also be required to pay an early withdraw penalty of 10% if you do not make arrangements to begin repayment of the loan within a certain time frame.
  • IVF grants. A variety of grants and scholarships exist to help intended parents who are trying to build their families. Different grants will cover different costs and require different tasks from the applicants such as writing essays, traveling, or fundraising. It is important to fully do your research on all available grants before applying.
  • Agency payment schedule. Many surrogacy agencies are reasonable and will include a fee structure for surrogate payments or payment plans. These payment plans can be broken down as a certain amount of money due at matching, a certain amount due at contract signing, a certain amount due at transfer, and so forth. Many intended parents find this “pay-as-you-go” plan much more manageable and less stressful than paying everything at once.

With the high costs associated with fertility procedures, financing your journey can make all the difference. Thoroughly considering your financial options and working closely with your agency is the best way to gain a realistic idea of what you can expect financially while minimizing any unnecessary concerns. Surrogate Solutions prides itself in working closely with its surrogates and intended parents through every step of their exciting journey. If you are looking for additional resources on how to finance your surrogacy, please contact Surrogate Solutions today!

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